Cashmere vs DBS NAV Planner
NAV Planner works inside DBS digibank. Cashmere is a private plan outside any bank. Here is what each one does.
DBS NAV Planner: The Plan tab inside DBS digibank, which pulls your other banks, CPF, HDB and IRAS data through SGFinDex with Singpass consent. Read on its own site on Sep 24, 2026.
Pocket is not open yet. Plans are pre-order: fourteen days free, then S$9.99 to S$14.99 a month.
What Cashmere does better
- Cashmere is not a bank. Your plan sits in a workspace that sells you no account, no fund and no policy, and nothing on the page is shaped by a sale.
- Cashmere plans a retirement year by year. The FIRE date, the portfolio it needs, and a scenario beside the current path, with a withdrawal rate indexed to the length of the retirement rather than a fixed 4%.
- Cashmere prices tax and cover against the plan: the reliefs, the CPF rules and the policy catalogs are loaded.
- Cashmere reads a broker's holdings and prices them at each day's close. Pocket's Investments section holds what you own, across brokers, without a bank in the middle.
What it is
DBS NAV Planner
A planning tab inside DBS digibank.
Cashmere
A private workspace outside any bank.
Getting balances in
DBS NAV Planner
SGFinDex with Singpass consent, plus DBS's own accounts.
Cashmere
Type them, import a statement, or read the page you signed into with Cashmere Connect.
Retirement
DBS NAV Planner
A cash flow projection with money gaps and milestones.
Cashmere
A retirement date projected year by year, with scenarios you can test against it.
Products
DBS NAV Planner
Suggests investments and insurance from DBS.
Cashmere
None. Cashmere names nothing to buy.
Price
DBS NAV Planner
Part of digibank, so it needs a DBS or POSB account.
Cashmere
Fourteen days free, then S$9.99 to S$14.99 a month. Pre-order.
Questions
- Does Cashmere use SGFinDex?
- No. Cashmere holds no Singpass consent. Type your balances, import a statement, or use Cashmere Connect on a page you signed into yourself.
- Do I need a DBS account to use NAV Planner?
- NAV Planner is a tab in DBS digibank, so it needs a DBS or POSB login. Cashmere needs a Google account or an email address.
- Which one gives me a retirement date?
- Both project forward. NAV Planner shows a cash flow projection and money gaps. Cashmere shows the earliest age you can retire without running out of money, and how a decision changes it.
Other comparisons
Plan your retirement in Pocket.
Start with your income, spending, savings rate, and runway. Cashmere turns them into a FIRE timeline. Fourteen days free, no bank login required.
Read along instead.
Read our guides to money in Singapore in the Cashmere Newsletter.