Budgeting app · Singapore

A budgeting app for Singapore that you can text

Type “kopi 1.80” or “grab 15.40” and it’s filed under the right category in SGD. No bank login, no forms. Set a monthly budget, see where it went, and keep CPF, savings and investments in one net worth number.

SGD first, every other currency too

Your totals are in SGD. Log “¥2400 ramen” in Tokyo and it stays in yen on the entry while your month converts at daily rates.

CPF in your net worth

Add your OA, SA, MA and RA balances alongside savings, a brokerage or robo-advisor, and loans. Once a month Cumulate asks what they’re at now and you answer in one line. You enter the numbers; Cumulate never connects to CPF or your bank.

Receipts and statements

Snap a receipt and the amount, shop and date fill themselves in. Drop in a bank or card statement PDF and every line comes in for you to tick.

Budgets that update themselves

“budget 400 for food monthly” sets a cap. Insights shows how much is left and turns amber at 80%.

Does Cumulate connect to DBS, OCBC, UOB or CPF?

No. Cumulate never asks for bank or Singpass logins. You type entries, snap receipts, or import a statement PDF you downloaded yourself, and you enter CPF balances by hand.

Is it free?

Yes. Logging, budgets, goals, net worth and multi-currency are free, with no card needed to sign up.

Is this financial advice?

No. Cumulate summarises what you log. It doesn’t recommend investments or products.