How this SSB data works

Issue dates, application windows, allotment details, coupon rates and average returns come from the Monetary Authority of Singapore Savings Bonds service.

This site is independently operated by JUST2US PTE. LTD. (UEN 202218107R), a Singapore company. It is not affiliated with or endorsed by MAS.

Latest MAS source change recorded 3 Nov 2026, 4:30 pm Singapore time.

The data producer retrieves the MAS issuance calendar, issue details and annual rates. It retains a source response only when the content changes, together with a SHA-256 fingerprint for integrity checks.

Before replacing the public data file, it verifies the stored source responses, issue dates, required fields and complete ten-year rate schedules. If verification or generation fails, the previous valid file remains in place. Upcoming issues stay incomplete until MAS publishes their rates.

For each holding year, estimated interest is the investment amount multiplied by that year's MAS coupon rate. A normal six-month payment is half of that annual amount.

If an issue starts after the first day of its coupon month, the first payment is reduced in proportion to the number of days invested. The average yearly interest shown by the calculator adds all 20 estimated cash payments over ten years and divides the total by ten. It assumes the bond is held for the full term and does not reinvest coupons.

Your portfolio stays in this browser. Export a CSV to keep a copy or move it to another browser. Clearing site data removes your saved holdings.

Each holding uses the official 20-payment coupon schedule, including actual-day proration of the first coupon. Each receipt is rounded once to cents before totals are calculated. Headlines and payment rows use whole dollars. Display rounding never changes the calculated totals. The next-12-month percentage divides unrounded scheduled interest by current principal; it isn’t an official MAS return.

Payment months are scheduled months, not confirmed bank payment dates. The past side includes the current Singapore calendar month; the future side starts with the following month. Past interest is reconstructed from the amounts currently recorded, not confirmed receipts. Updating or withdrawing a holding also changes its reconstructed past interest. Withdraw only updates this local record; it doesn’t redeem a bond.

Matured records stay visible until you remove them. Their principal is excluded from current-held totals and the $200,000 limit. Interest stops after the final coupon; repaid principal is never counted as interest.