What are some of the free tools that one can use for financial projection and tracking their assets vs liabilities, etc. ?

Would recommend apps like Spendee or Expense Manager to track daily expenses.

Once you have the data, you can start planning based on your spending patterns

I think moomoo is not bad.. have a lot of lessons and stimulation game to help u understand the concept..

Dbs digiplanner

The different banks have their own set, but i believe DBS has one of the better ones.