Tool · Updated 2026
MY vs SG Salary Comparison
Compare two offers honestly — using your real spending, with 10-year projection. Includes JB commuter scenario.
3 ScenariosYour Numbers10-Year ProjectionDecision-GradeLoading rate...
1
The Two Offers
Salary, Scenario, CommuteOffer A
Offer B
2
Projected Monthly Spending
Override Hints With Your NumbersOffer A — S$/moOffer B — RM/mo
S$800–S$2800
RM600–RM2500
S$200–S$600
RM300–RM1200
S$200–S$900
RM300–RM1500
S$80–S$400
RM200–RM1500
S$100–S$300
RM150–RM500
S$50–S$250
RM50–RM400
S$0–S$2000
RM0–RM1500
S$200–S$1200
RM200–RM1500
Total SpendS$ 3,280RM 4,000
Verdict · Year 1 + 5-Year
Offer A Clearly Stronger
Offer A produces RM 4,432/mo more surplus. Over 5 years that compounds to roughly RM 258,794 more wealth. Take it unless non-money factors strongly favor the other.
Offer A · Year 1
SG Local · SalaryS$ 6,000
− Expenses−S$ 3,280
Surplus (MYR)+RM 8,432
Savings Rate45%
Offer B · Year 1
MY Local · SalaryRM 8,000
− Expenses−RM 4,000
Surplus (MYR)+RM 4,000
Savings Rate50%
3
Long-Term Projection
Pick Your Saver Type3% return assumes EPF (~5.5% historical, conservative buffer) or SG fixed deposits / CPF OA (2.5%). Stable, low-risk, modest growth.
Cumulative Net WorthOffer AOffer B
Year 1RM 101,184RM 48,000
Year 3RM 301,549RM 143,957
Year 5RM 498,349RM 239,555
Year 10*RM 966,706RM 474,241
* Year 10 assumes salary and the SGD/MYR rate stay completely unchanged for a decade — unrealistic, shown for illustration only. The verdict above uses the 5-year figure.
!
Money Can't Price These
• SG: CPF 20% lock-in (citizens/PRs); excellent healthcare; smaller role pool
• MY: family proximity; slower career velocity; MYR-denominated savings
• All moves: relocation costs, lease break fees, network rebuild · FX drift over 10 years can be ±20%
Commute Reference: Bus S$200–300 · Motorbike S$250–400 · Car S$500–900 (incl. fuel, tolls, VEP). Time: 3–4 hrs/day in peak.
FX: 1 SGD = 3.1000 MYR · live from exchangerate-api.com.
Not financial advice. Verify against your own life before quitting a job.
FX: 1 SGD = 3.1000 MYR · live from exchangerate-api.com.
Not financial advice. Verify against your own life before quitting a job.