Join Free

Grow My WealthStep 4 of 7Next: Which Broker Charges Least?

Where Should My Spare Cash Earn Interest?

T-Bill Vs SSB Vs Fixed Deposit

Enter an amount, how long you can leave it and this month’s rates. See whether a T-bill, Singapore Savings Bond (SSB) or fixed deposit earns the most interest.

New to this? Read The Short Guide First →

Page updated · Data dates are in the notes below

1 Your Numbers

Your Spare Cash

Rates change every month. Replace the example rates with this month’s figures.

Prefilled with the 8 Oct 2026 auction cut-off (BS26120W), a past result, not an offer.

Prefilled with the highest 12-month rate on our fixed deposit comparison (2.10%, checked 12 Oct 2026; S$20,000 minimum). Check the bank’s current rate.

We work this out in your browser.

Who can apply: SSB is open to individuals aged 18 and above with a DBS/POSB, OCBC or UOB bank account and an individual CDP account, or through SRS. T-bills: individuals with a DBS/POSB, OCBC or UOB bank account and an individual CDP account with Direct Crediting, or through SRS or CPFIS (MAS, checked 5 Oct 2026). Fixed deposits: check eligibility with the bank.

2 Your Result

The most interest your spare cash could earn

—

Share Your Result

WhatsAppTelegram

A result link includes the numbers you entered. Only share it with people you trust.

Want part of your cash back every few months? Plan A T-Bill And Fixed Deposit Ladder →

3 What Next

Small steps add up. Here’s the next one.

Step 5 of 7 · Grow My WealthWhich Broker Charges Least?Compare Brokerages →Read The GuideT-Bill Vs SSB Vs Fixed Deposit: How Do They Compare Over Your Timeline? →
What This Estimate Assumes

Rough estimate using simple interest over your chosen time. T-bills are assumed to roll over at the same rate, and only complete 6-month cycles count, so months left over earn no interest. SSB uses the first-year average rate you enter. Ignores compounding, FD penalties for early withdrawal, and that you can cash out SSBs in any month. Starting rates are examples only. Check MAS and bank sites for live rates.

Before You Use This Number

Do I Need An Account To Use This Tool?

No. The tool works in your browser with no account. If you copy a result link, it includes the numbers you entered.

What Does This Estimate Assume?

Rough estimate using simple interest over your chosen time. T-bills are assumed to roll over at the same rate, and only complete 6-month cycles count, so months left over earn no interest. SSB uses the first-year average rate you enter. Ignores compounding, FD penalties for early withdrawal, and that you can cash out SSBs in any month. Starting rates are examples only. Check MAS and bank sites for live rates.