Enter the purchase and loan details, then select the buyer profile for stamp duty estimation.
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%
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years
Buyer profiles and CPF OA balances
Select the buyer profiles and enter the usable CPF OA balance for each buyer.
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Enter the cash you can commit to this purchase to calculate your stretch budget.
Estimated monthly instalment
S$0
Loan-to-value: —
Minimum upfront cash requirement
S$0
Actual cash used Extra cash above minimum
Cash downpayment + BSD + ABSD, after using CPF
Upfront requirement breakdown
Downpayment
S$0
Buyer’s Stamp Duty
S$0
ABSD
S$0
0%
Purchase price + BSD + ABSD = loan + CPF used + actual cash used
CPF used Cash remaining / shortfall
Indicative stretch purchase budget
Loan used Monthly instalment
Stretch budget uses your cash, active buyers’ usable CPF OA, entered maximum available loan and selected ABSD profiles. It assumes a 75% loan ceiling and a 5% cash downpayment, with BSD/ABSD budgeted in cash. It excludes legal fees, other costs and COV, assumes valuation equals price, and does not assess income or actual loan/CPF eligibility. Loan planning guidance.
Sell your home. Plan your next purchase.
Follow your CPF and cash from your current home to your next home.
01Selling your current home
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CPF refund from sale
S$0
Green dotted line → buying CPF
Cash proceeds after sale
S$0
Orange dotted line → buying cash
02Buying your next home
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Monthly instalment estimate
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5% + BSD + ABSD + legal cost
Edit cash or CPF to update the loan and monthly instalment.
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Total downpayment
Cash CPF COV (included in cash)
Cash needed
BSD / ABSD Legal / agent incl. GST
Funds remaining after allocation
Monthly instalment Cash CPF
The 5% minimum button is a planning scenario; enter the cash-only downpayment required by your actual loan terms if different. The optional agent commission is calculated at 1% of purchase price, including 9% GST on the commission. Enter the expected CPF refund including accrued interest, and the ABSD rate applicable to the next purchase. “Use maximum” uses available CPF up to the downpayment on the lower of price or valuation, less the cash-only amount entered above. The 75% and 50% buttons calculate loan scenarios on that same lower amount; they do not confirm loan eligibility. COV is budgeted entirely in cash. This estimate applies CPF to the downpayment; stamp duties and purchase costs are budgeted in cash. Refund availability depends on sale completion and CPF processing. CPF usage guidance.
ABSD rates verified against IRAS on .
SC: 0% / 20% / 30%; PR: 5% / 30% / 35% (1st / 2nd / 3rd+ property); Foreigner: 60%.
For joint purchases, the higher applicable rate is used. Remissions, refunds and FTA relief may change the final liability and are not automatically applied.
IRAS ABSD guidance.
This calculator provides indicative estimates only. Actual loan eligibility, CPF usage,
Buyer’s Stamp Duty, ABSD, remission eligibility and other transaction costs are subject
to prevailing regulations and individual circumstances. Please verify the applicable
rules before making a property decision.
