Tool · Updated Apr 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 grey hints with your numbersOffer A — S$/moOffer B — RM/mo
typical: S$800–S$2800
typical: RM600–RM2500
typical: S$200–S$600
typical: RM300–RM1200
typical: S$200–S$900
typical: RM300–RM1500
typical: S$80–S$400
typical: RM200–RM1500
typical: S$100–S$300
typical: RM150–RM500
typical: S$50–S$250
typical: RM50–RM400
typical: S$0–S$2000
typical: RM0–RM1500
typical: S$200–S$1200
typical: RM200–RM1500
Total spendS$ 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.