Calculators
The numbers, worked out before you commit.
Free tools we use with clients every week. No signup, plain English, and the working is shown on screen.
Selling, upgrading or right-sizing
What will I walk away with?
The cash in hand and the amount back into your CPF after the loan, the CPF refund with interest, any seller’s stamp duty and the fees.
How much home can I afford next?
A comfortable and a maximum price for the next home, the monthly repayment, and the cash and CPF needed upfront — with your sale proceeds counted in.
How much could right-sizing free up?
Sell the current home, buy a smaller one, and see the cash and CPF left over — plus how much your monthly fees fall.
Which retirement housing schemes could we get?
For households aged 50 and over: the Silver Housing Bonus, Lease Buyback, Proximity Housing Grant, 2-room Flexi and Community Care Apartments — which are likely, up to how much, and what still has to be true.
Should we decouple?
For couples who own a private home together: the stamp duty and fees to transfer one share, the ABSD it saves on the next home, the break-even price, and whether the spouse who stays can hold the loan.
Letting out a home
Rental yield calculator
Your real, after-tax rental yield — after property tax, fees, empty months, agent commission, income tax and inflation — compared with CPF and bonds.
What rent can I ask?
The typical rent for your HDB flat type in your town, from HDB’s published figures, and how your asking rent compares.
What does an empty month cost me?
The real cost of every week empty, and whether holding out for a higher rent pays off over the lease.