Calculator · Upgrade affordability

Sell first or buy first? Compare both.

Use the same numbers to compare both routes: what the sale frees up, the maximum purchase price each way, and where ABSD or cash may limit you.

Rates as of 2026-08-03: 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$)

Notes

Computed in your browser from the figures you enter; nothing is collected or stored.
These numbers assume your MOP is complete. Buying private residential property during the MOP, including exercising an Option to Purchase, is not allowed.
The result is an estimate against MAS, IRAS, CPF and HDB rules as dated above. It is not an in-principle approval, and banks assess each case themselves.
This is a planning tool, not financial or legal advice.