Disclaimer

For Informational Purposes Only

All content, calculators, and information provided on The Fifth C (thefifthc.sg) are intended for general informational and educational purposes only. Nothing on this website constitutes financial advice, investment advice, legal advice, or any other professional advice of any kind.

The calculators on this site are tools to help you understand publicly available information about CPF contributions, HDB affordability, stamp duty, and related Singapore personal finance topics. They are not a substitute for professional financial planning.

Results Are Estimates

All figures produced by The Fifth C calculators are estimates based on published government rates, publicly available data, and simplified mathematical models. Actual figures may differ due to:

• Rounding differences in official CPF computations
• Individual circumstances not captured by the calculator inputs
• Changes in government policy, rates, or rules that have not yet been reflected on this site
• Special cases, exemptions, or schemes that are outside the scope of our models
• Future changes in salary, market conditions, or personal circumstances

Always verify important figures directly with the relevant government agency (CPF Board, HDB, IRAS) or a licensed financial advisor before making financial decisions.

Consult a Licensed Financial Advisor

For personal financial decisions — including retirement planning, property purchases, investment choices, and insurance — we strongly recommend consulting a licensed financial advisor or planner who can assess your complete financial situation, goals, and risk tolerance.

Financial advisors in Singapore are regulated by the Monetary Authority of Singapore (MAS) under the Financial Advisers Act. You can verify a person's or firm's licence at the MAS Financial Institutions Directory at eservices.mas.gov.sg/fid.

Data Accuracy and Timeliness

While we make reasonable efforts to keep our data accurate and up to date, The Fifth C makes no warranties or representations — express or implied — about the completeness, accuracy, reliability, suitability, or availability of any information on the site. Government rates and rules can change without advance notice, and our site may not reflect the very latest changes immediately.

For official, authoritative figures, always refer directly to:

• cpf.gov.sg — CPF contributions, retirement sums, interest rates
• hdb.gov.sg — HDB loan eligibility, grants, BTO details
• iras.gov.sg — Stamp duty rates and calculations
• data.gov.sg — HDB resale transaction records

No Liability

To the fullest extent permitted by law, The Fifth C, its operators, contributors, and affiliates shall not be liable for any loss or damage — including without limitation, indirect or consequential loss or damage — arising from or in connection with the use of, or reliance on, any information, calculation, or content on this website.

This includes but is not limited to: financial losses resulting from property purchases, investment decisions, or retirement planning made in whole or in part on the basis of information from this site; losses resulting from inaccurate or outdated data; and losses resulting from errors in the calculator models.

Use of this website is entirely at your own risk.

External Links

The Fifth C does not currently have affiliate agreements with any third-party financial products or services. Any external links to platforms, portals, or financial providers are provided as a convenience only and do not represent endorsements. We do not receive commissions or referral fees from any external links on this site at this time.

Third-Party Websites

This website contains links to external websites operated by third parties, including government agencies and financial institutions. These links are provided for your convenience and reference. We have no control over the content of those websites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

Changes to This Disclaimer

We may update this disclaimer from time to time. Any changes will be posted on this page with a revised "last updated" date. Continued use of the site after changes are posted constitutes your acceptance of the revised disclaimer.

Questions about this disclaimer can be directed to hello@thefifthc.sg.