Robo-Advisor Fee Comparison Calculator Singapore 2026

Compare annual fees for Endowus, Syfe, StashAway, Tiger Robo & MoneyOwl — free calculator with real-time results in SGD.

Understanding Robo-Advisor Fees for Singapore Investors

Singapore’s robo-advisor market has grown rapidly since the Monetary Authority of Singapore (MAS) began licensing digital investment managers under the Capital Markets Services (CMS) framework. As at Q2 2026, platforms like Endowus, Syfe, StashAway, Tiger Robo, and MoneyOwl collectively manage billions in assets under management (AUM) on behalf of Singapore retail investors. What most investors underestimate is how dramatically management fees compound over time — a difference of just 0.2% per year on a S$100,000 portfolio translates to thousands of dollars over a decade. This calculator gives you an apples-to-apples fee comparison across Singapore’s major robo-advisors so you can make a truly informed choice. All results are in SGD and based on publicly declared fee schedules. Not financial advice — consult a licensed adviser for personalised guidance. Data as at Q2 2026 unless noted.

Why Robo-Advisor Fees Matter More Than You Think

Fees are the one guaranteed drag on every portfolio, regardless of market conditions. Unlike returns — which are uncertain — the 0.5% to 0.8% annual management fee charged by robo-advisors is a certainty. When compounded over 20–30 years (a typical Singapore investor’s retirement horizon), even a 0.2% fee difference can erode S$20,000–S$40,000 from a S$200,000 starting portfolio. MAS-licensed robo-advisors in Singapore are required to clearly disclose their all-in fee structures, but these are often spread across management fees, fund expense ratios (TERs), and platform charges — making direct comparison difficult. This calculator uses each platform’s headline management fee to give you a fast, clear comparison.

How Singapore Robo-Advisors Structure Their Fees

Most Singapore robo-advisors use a tiered fee model — lower percentage fees as your portfolio grows. For example, Endowus charges 0.60% p.a. for portfolios up to S$200,000, stepping down to 0.50% for S$200,001–S$1,000,000, and 0.35% above that. Syfe similarly tiers from 0.65% (under S$20,000) to 0.40% (above S$100,000). Tiger Robo charges a flat 0.50% regardless of portfolio size. Beyond the management fee, investors should also account for the fund-level TER (typically 0.15%–0.30% for index ETFs) and any SRS or CPF wrap fees. The rates shown in this calculator are management fees only — add approximately 0.20% for a realistic all-in estimate.

How to Use This Robo-Advisor Fee Comparison Calculator

1. Enter your portfolio size (SGD): Type your current or planned investment amount, or drag the slider. The calculator supports portfolios from S$1,000 to S$2,000,000 — tiered fees update automatically as you adjust.
2. Set your investment horizon: Drag the years slider to reflect how long you plan to stay invested. A 20–30 year horizon is typical for Singapore investors saving for retirement.
3. Choose your assumed annual return: The default is 7% p.a. — a reasonable long-run estimate for a globally diversified equity portfolio. Adjust this to see how fees impact both conservative (5%) and optimistic (10%) scenarios.
4. Read your results: The green panel shows each robo-advisor’s annual fee in SGD and total fees over your horizon. The star (⭐) highlights the lowest-fee option for your portfolio size. The savings callout at the bottom tells you exactly how much you save by picking the cheapest platform.

The calculator instantly recalculates as you move any slider. Total fees are compounded — i.e. fees are applied to the growing portfolio balance each year, not just the initial investment.

Pro tip: Combine this calculator with our Retirement Planning Calculator to see how fee drag affects your final retirement corpus after 20–30 years of investing.

What Is a Robo-Advisor?

A robo-advisor is a MAS-licensed digital investment platform that uses algorithms to build, manage, and rebalance a diversified portfolio on your behalf — typically using low-cost ETFs or unit trusts. Unlike traditional financial advisers who charge commissions or a percentage of AUM, robo-advisors offer automated portfolio management at a fraction of the cost, with minimum investments as low as S$1. Singapore’s robo-advisor landscape is one of the most competitive in Asia, with platforms offering cash, CPF, and SRS portfolios under a single app. The MAS regulates robo-advisors under the Financial Advisers Act and requires them to conduct client suitability assessments before recommending any portfolio. As at Q2 2026, the main players in Singapore include Endowus, Syfe, StashAway, Tiger Robo (by Tiger Brokers), and MoneyOwl — each with distinct fee structures, fund selections, and portfolio philosophies. Understanding the fee differences between these platforms is essential, because fees are the single most controllable factor in your long-term investment outcome.

How Robo-Advisor Fees Work: The Full Cost Picture

Singapore robo-advisor fees come in three layers that investors often conflate. The first is the management fee (also called the wrap fee or advisory fee) — this is what the platform charges for its service, typically 0.35%–0.80% p.a. of AUM. The second is the fund expense ratio (TER) — the underlying cost of the ETFs or unit trusts in your portfolio, charged by the fund manager (e.g., Vanguard, BlackRock, Dimensional). TERs for index ETFs typically run 0.03%–0.25% p.a. The third is any transaction or platform fee — most Singapore robo-advisors waive these, but some charge for withdrawals or intra-portfolio switches. The true all-in cost is the sum of all three layers. For example, Endowus charges a 0.60% management fee on portfolios under S$200,000, plus a fund-level TER of approximately 0.30% for its Flagship Portfolios — giving an all-in cost of around 0.90% p.a. before any CPF or SRS fee rebates. This calculator focuses on the management fee layer, which is the most variable and the one you can control by choosing your platform wisely. Use our ETF Expense Ratio Calculator to separately assess fund-level cost drag.

Singapore Robo-Advisor Management Fee Comparison (Q2 2026)

Endowus vs Syfe vs StashAway vs Tiger Robo vs MoneyOwl

Endowus is the only Singapore robo-advisor that accepts CPF OA, CPF SA, and SRS funds alongside cash — a major advantage for investors who want to maximise their CPF returns above the default 2.5% OA rate. Endowus uses institutional share classes of funds (including Dimensional and PIMCO), which reduces fund-level TERs. It’s the go-to platform for CPF-savvy investors. Use the Endowus referral code for fee rebates when signing up.

Syfe is known for its flexibility — offering portfolios ranging from the globally diversified Core Equity100 to the income-focused REIT+ and Income+ portfolios, which target 4–6% dividend yields. Syfe accepts SRS and cash, and charges some of the lowest fees in the market for larger portfolios (0.40% above S$100,000). Investors focused on S-REIT exposure often prefer Syfe REIT+, which holds a basket of Singapore REITs. Check out the Syfe referral code for sign-up bonuses.

StashAway pioneered the robo-advisor model in Singapore in 2017. Its ERAA® (Economic Regime-based Asset Allocation) methodology dynamically shifts portfolio allocation based on macro conditions — a differentiated approach versus simple passive indexing. StashAway’s fees are slightly higher than peers for smaller portfolios but competitive at scale. It also offers StashAway Simple™, a cash management product yielding around 3.3% p.a. (as at Q2 2026). Tiger Robo (by Tiger Brokers Singapore) offers a flat 0.50% fee regardless of portfolio size — the simplest and most transparent fee structure. It invests in globally diversified ETFs and is best suited for investors who prefer a straightforward, no-tiers approach. MoneyOwl uses Dimensional Fund Advisors (DFA) funds — factor-tilted funds with academic backing — and was acquired by NTUC Enterprise. It accepts SRS funds and charges a flat 0.60% management fee. Its key differentiator is Dimensional’s evidence-based factor investing approach.

Using Robo-Advisors with CPF and SRS in Singapore

One of Singapore’s most powerful wealth-building strategies is investing CPF OA savings above the 2.5% p.a. default rate. Under the CPF Investment Scheme (CPFIS), members with more than S$20,000 in their OA (after reserving S$20,000) can invest through approved investment managers. Endowus is currently the only MAS-licensed robo-advisor in Singapore approved to invest CPF OA and SA funds. For investors who have maximised their CPF SA top-up (now capped at the Full Retirement Sum after the 2025 SA closure) and want to grow OA savings above 2.5%, Endowus Cash/CPF portfolios offer globally diversified equity and bond exposure. For SRS investors — where contributions reduce your chargeable income at marginal tax rates — Endowus, Syfe, StashAway, and MoneyOwl all accept SRS funds. The annual SRS contribution cap is S$15,300 for Singapore Citizens and PRs, and S$35,700 for foreigners. See our SRS Tax Savings Calculator to estimate how much you can save with an SRS contribution, and our CPF OA/SA Calculator to model your CPF balance growth.

The Real Impact of Fees on Long-Term Wealth

Consider two Singapore investors, both starting with S$100,000 and investing for 25 years at 7% p.a. gross return. Investor A uses Platform X at 0.80% p.a. in total fees; Investor B uses Platform Y at 0.50% p.a. The 0.30% difference sounds trivial. But after 25 years, Investor A accumulates approximately S$474,000 versus Investor B’s S$506,000 — a S$32,000 difference purely from fees. Now scale that to a S$300,000 portfolio and the gap widens to nearly S$100,000. This is the compounding fee effect, and it’s why Singapore financial bloggers and the MAS alike urge investors to scrutinise total costs carefully. Our Compound Interest Calculator lets you model the full growth curve with and without fee drag. For investors building a passive income stream for retirement, minimising fee drag is one of the highest-impact levers available. You can also combine robo-advisor investing with low-cost ETFs via FSMOne’s Regular Savings Plan to access S$100/month ETF investing with zero sales charge.

Robo-Advisors as a Passive Income Strategy for Retirement

For Singapore investors targeting financial independence or retirement, robo-advisors serve two distinct roles: accumulation (growing your portfolio during working years) and decumulation (drawing income in retirement). During accumulation, a globally diversified equity robo-advisor portfolio at 7% p.a. gross — minus fees of 0.50%–0.80% — delivers approximately 6.2%–6.5% net, compounding your wealth steadily. Syfe Income+ and Endowus Income Portfolios extend this into decumulation by targeting 4%–6% p.a. dividend distributions, paid monthly or quarterly. A retiree with S$500,000 in a 5% yield income portfolio would receive approximately S$25,000 per year — or about S$2,083/month — before tax. Use our Retirement Planning Calculator to see exactly how much you need to accumulate for your target monthly income, and our Passive Income Goal Calculator to back-calculate the portfolio size required for a given monthly payout. Robo-advisors are not a replacement for CPF LIFE — they complement it, providing market-linked upside while CPF LIFE provides a guaranteed income floor for life.

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