Is anything I enter stored?

No. The calculator runs in your browser; nothing you enter is collected or stored.

Can we buy a private property before our HDB MOP is complete?

No. The numbers assume the MOP is complete — buying private residential property during the MOP, including exercising an Option to Purchase, is not allowed.

Is the result a loan approval?

No. It is an estimate against the MAS, IRAS, CPF and HDB rules dated on the page, not an in-principle approval. Banks assess each case themselves.

Is this financial advice?

No. It is a planning tool, not financial or legal advice.

Calculator · Upgrade affordability

Sell first, or buy first?

Same sale, two sequences. What comes out is a ceiling, not a bank's approval.

Rates updated 3 Aug 2026: IRAS · MAS · CPF · HDB

The flat you are selling

Expected sale price (S$)Outstanding HDB loan (S$)

CPF used so far, per owner (S$)Leave blank if unsure. The sale still computes without the CPF split. Tick the box only if these are exact CPF statement figures; otherwise, the purchase year gives an estimate band.

Owner 1 CPF (S$)Owner 2 CPF (S$)

These are exact CPF-statement figuresYear you bought the flat

Agent commission (%)Commission is negotiated. There is no standard rate. Leave blank to exclude it.

The two of you

Owner 1 ageMonthly income (S$)Residency

Owner 2 ageMonthly income (S$)Residency

We are married Buying in both names

Sole ownership or planning to decouple Either of us owns another property

For the purchase

Cash on hand (S$)CPF OA balance now (S$)

Assumptions: loan tenure, interest rate, fees, variable income, other debts. Adjust here

Loan tenure (years)Interest rate (% p.a.)

Legal fee (S$)Valuation fee (S$)

Owner 1 variable income (S$/yr)Owner 2 variable income (S$/yr)Other monthly debts (S$)

Browse new launch projects

Once you've estimated your budget, explore current launches organized by district: District 09 (River Valley), District 11 (Newton/Novena), District 22 (Jurong), or view all launches.

Check the MOP wave analysis to see when your town's cohort reaches eligibility, and browse Lentor Gardens Residences, Canberra Crescent Residences, and other projects suited for upgraders.

Notes

Runs in your browser; nothing you enter is collected or stored.
Assumes the MOP is complete — buying private residential property during the MOP, including exercising an Option to Purchase, is not allowed.
An estimate against the MAS, IRAS, CPF and HDB rules dated above, not an in-principle approval. Banks assess each case themselves.
A planning tool, not financial or legal advice.