Calculators
How much you walk away with when you sell, and how much cash you need when you buy. Work them out here in a minute, then talk to me about what they actually mean for your move.
Calculator one
Works for an HDB flat, a condo or a landed property. The number that surprises people is the CPF refund, because it includes accrued interest that has been quietly building the whole time you have owned the place.
Your CPF figure, including accrued interest, is on your CPF statement under the property you own. Use that number rather than guessing, it is usually larger than people expect.
Your CPF refund is not lost. It goes back into your CPF and can usually be used again on your next property, subject to the prevailing rules. Cash in hand is what you can actually spend.
Calculator two
For a resale HDB without grants, a resale condo, or a new launch. This gives you the upfront requirement, not your loan eligibility, which depends on your income and existing commitments.
Loan to value limits depend on your existing loans, your age and the loan tenure. If you already have a housing loan running, your limit will be lower. I will check the actual position with you.
Excludes Additional Buyer's Stamp Duty, which applies if you already own residential property or are not a Singapore Citizen. ABSD is significant and depends entirely on your profile, so I have deliberately left it out rather than show you a number that might not be yours. Ask me and I will work out your actual position.
Rules last checked: 10 August 2026
Buyer's Stamp Duty schedule verified against the current residential tiers. Loan to value and CPF rules change with government policy, so check the source before you rely on any figure here.
These are estimates for planning only, not an offer, a valuation, or financial advice. Buyer's Stamp Duty is calculated on the current residential schedule. Stamp duty rates, loan to value limits and CPF rules change with government policy, and your own eligibility depends on your income, age, existing loans and citizenship. Always confirm the current position with me, your bank and IRAS before you commit to anything.
The part a calculator cannot do
These tools give you the arithmetic. What they cannot tell you is whether the move makes sense for your household, what happens if rates or income change, and which of your options actually leaves you better off in ten years.
That part needs a conversation. It is free, there is no obligation, and if the honest answer is that you should wait, that is what I will tell you.