I use spendee to track and then consolidate every month/quarter on an excel spreadsheet to see how I fare over time (as mentioned the data can be easily exported). Spendee is good as it is easy to use and there is a lot of flexibility in terms of categories.

1) The max amount for tax relief would be 7k. This is because the RA is less than the current FRS (currently $176000 for YA2020). The current FRS amount changes every year. 2) Same as for the daughter in (1). 3) I don't think you can contribute to your father's OA/SA/MA as you can only contribute to your own account? Not sure if I am interpreting your question correctly. To assess whether you should do voluntary contribution to your own CPF would require more details on your current profile. 4) The following link by heartland boy details the calculation. https://heartlandboy.com/money-withdraw-from-your-cpf-at-55/ You will need to dig out the basic retirement sum for your dad's age and determine if you have sufficient property pledge. 5) It is hard for bonds to hit a higher % than CPF (unless u are referring to corporate/junk bonds). If you want a higher % it would be better to invest in equities but I would not really recommend that for your dad's age. I'm not an expert in CPF so my answers may not be completely correct - do drop your questions to CPF I believe they will be able to answer them better (except for the last question)

As others have mentioned you will earn slightly above $900 at the end of 5 years. However, it is not exactly the best move out there. If you have a higher risk appetite/ the 10k is not set aside for any important events like education then buying stocks may be a better option. Alternatively, you can open more high yield bank accounts or invest in those 3-year endownment policies that generally now have an interest of at least 2+%.

I think it goes to you under the estate law.

Ocbc card is more for dining. If you have an ocbc 360 account hitting the min spend for this should be your priority.

Bank loans are currently cheaper. But refinancing may not always be worth it - as you incur a fee if you refinance. As a bank loan has one of the lowest interest rates now I would take one with a longer period.

Is her DM officially recorded? If yes then you can possibly only consider those policies tailored to diabetes patients (if not it will normally excluded from the coverage). You can consider saving and growing a cash pool instead of buying insurance.

Not too sure but I don't see such functionality currently - can feedback/email the team. It's really useful if this is possible.

The most important person would the one providing income and the caregiver (which I assume is you). This ensures that if anything happens to you your disabled child will have sufficient funds for help to be hired/any treatments if needed.

I think you have listed the main expenses. For me personally I'm only aiming for a house and trying to save and grow my wealth as much as I can. There are too many variables when planning for retirement currently so just have a rough goal and work towards it.