We’ve added a portfolio tracker to our SSB website. Add the Singapore Savings Bonds you own to see how much interest to expect and when it’ll arrive.
Here’s a 30-second look:
Why build a tracker?
I bought my first SSB in February 2018. Once you have bonds from several issues, there’s more to keep track of than the amount invested.
Each issue has its own interest schedule. Payments come every 6 months, but different issues pay in different months. And the rate you’re earning now can differ from the 10-year average advertised when you bought it.
We built the tracker to bring those details together. You can see the total amount held, interest due over the next 12 months, and the next payment without opening each issue’s rate table and adding everything up.
A little less mental arithmetic.
See when the money comes in
Add a holding by choosing the bond issue, entering the amount, and selecting whether you bought it with cash or SRS funds. The holdings table shows how long you’ve held each bond, its current coupon rate and its 10-year average return.
The monthly payment timeline shows how your interest payments are spread through the year. Select a month to see which bonds are paying and how much you’ll receive, or zoom out to look further ahead.
If you redeem part of a bond, update the holding to reflect the amount you still own. This records the change in the tracker; you’ll still need to submit the redemption through your bank.
Your holdings are saved in your browser, so you don’t need an account. They don’t automatically sync between devices, but you can export a CSV backup and import it on another browser or device.
What’s next?
Now that your holdings are in one place, the next step is to help you decide whether it’s worth redeeming an existing bond and switching to a newer issue with higher interest rates.
Coming soon.
This month’s bond: the first-year rate is rising
The December 2026 issue, SBDEC26, is open for applications in November. It pays 1.83% in the first year, up from November’s 1.67%.
That’s a rise of 0.16 percentage points. The chart below shows the first-year coupon across successive issues, reaching 1.83% from 1.33% in January.
First-year coupon rates across monthly bond issues. Each point represents a different issue.
December’s 10-year average return is 2.39%. The rising line above is specifically the first-year rate, so check both figures when comparing bonds.
Applications close on 25 November 2026 at 9pm.