It happens gradually
Stroke, dementia, and traumatic brain injury often develop over years — not overnight. By the time a family realises they need a plan, the window to act has already narrowed significantly.
Understand where your family's planning stands in just 5 minutes.
Most families only discover the cost of mental incapacity when it is already too late to plan for it. This assessment helps you understand what's at stake — before life makes those decisions for you.
This assessment is for educational and planning purposes only. It does not constitute financial, legal or medical advice. All cost estimates are based on Singapore market data. Please consult a qualified adviser for personalised guidance.
Mental incapacity is one of the most common — and most underprepared — planning challenges facing Singapore families today. Unlike death, it does not end financial obligations. It creates them.
Stroke, dementia, and traumatic brain injury often develop over years — not overnight. By the time a family realises they need a plan, the window to act has already narrowed significantly.
A typical care arrangement in Singapore — home nursing, therapies, medications, and caregiving support — can exceed S$5,000 per month once inflation is applied. Over 15 years, this becomes a multi-million dollar planning problem.
When no plan exists, the people who love you most are the ones who pay the price — financially, physically, and emotionally. Planning ahead is one of the most meaningful acts of care you can offer your family.
Seven guided sections that build a complete financial picture of your planning readiness.
Free · No login required · Takes 5–10 minutes
Every projection in this assessment flows from three numbers: how old you are today, when you'd like to plan from, and how long care may be needed. There are no right or wrong answers — choose figures that feel realistic for your family.
Many medical conditions can lead to permanent loss of decision-making capacity. Understanding the most common ones helps you plan more realistically — because the condition shapes everything from care intensity to care duration.
Each care model comes with a very different cost profile, level of involvement, and quality-of-life trade-off. Select the arrangement that most closely reflects how your family would approach care if incapacity occurred tomorrow.
All figures are pre-filled with current Singapore market rates. Adjust any number to better reflect your family's specific situation — the more accurate your inputs, the more useful your planning report will be.
Beyond the core care arrangement, mental incapacity often involves ongoing therapy sessions, medical specialists, consumable supplies, equipment, and home modifications that accumulate into a significant additional monthly cost.
Tell us what you already have in place. This is where we calculate whether your existing income streams and assets are enough to cover the costs we've just built — and where any funding gap becomes visible.
Here is your complete financial picture — projected costs, existing protection, your funding gap, and what these numbers mean for your family's future.