If you’ve ever tried to qualify for bonus interest from a bank like DBS or OCBC, you’ve probably run into three letters that sound like admin hell: ADB.
Average Daily Balance determines whether you earn that sweet “savings growth” bonus. But unless you’re logging your account daily (you’re not), it’s a mystery how your actual balance changes affect it.
We built a tool to fix that.
Usual Problem: Growth Bonus
Most “Grow” accounts expect your average daily balance this month to be higher than last month — sometimes by a fixed amount (e.g. +$500), sometimes just “positive growth.”
But what happens when you:
- Get paid mid-month?
- Forget about income tax GIRO deduction?
- Transfer funds out for a bill, then back in?
You don’t want to just vibe your way through that.
The Tool: ADB Scenario Planner
Our new ADB Scenario Planner gives you a week-by-week simulation to help you nail your ADB target — without doing math in a spreadsheet.
It does the following:
Lets you enter:
- Current balance
- Current ADB
- Last month’s ADB
- Your growth goal (e.g. +$500)
- Any ADB cap (some accounts don’t reward balances above a limit)
- Individual inflows and outflows on specific dates (salary, expenses, transfers)
Simulates the remaining days of the month
Tells you:
- Whether you’re on track
- Whether you’re over the cap
- What you can do to try to fix it
Example output:
✅ Growth met ❌ ADB exceeds cap
⚠️ Suggestion: Withdraw $12,000 to bring ADB closer to cap without losing bonus
If you can act NOW: Withdraw $X
If bo bian: Withdraw $Y some time around month-end
Use It Here
Use it once a month. Or every Monday. Or every time you see your boss’s chao bin. You do you.
In a Nutshell
Don’t leave your bonus interest to vibes.
This tool won’t guarantee wealth, but it will save you from losing free money. Like when you walk into Burger King and realise you’re the only person without coupons. Don’t be that person.
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