PROPERTY • PLANNING

Sell → Buy Next Pipeline (One Input → Pre-filled Tools)

Enter your key numbers once. This page generates pre-filled links into the right calculators so you don’t retype everything.

Inputs

Current sale price (SGD)

Expected selling price of your current home.

Outstanding loan to redeem (SGD)

Approx loan balance that will be redeemed on sale.

CPF used (OA) (SGD)

Planning total CPF used (downpayment + instalments).

CPF usage duration (years)

How long CPF was outstanding before sale/refund.

Target next purchase price (SGD)

Your next property price you’re aiming for.

Loan-to-value (LTV, %)

Typical bank case: 75%.

Min cash downpayment (% of price)

Planning minimum cash portion of downpayment.

BSD amount (SGD)

Use the BSD/ABSD calculator if unsure.

ABSD amount (SGD)

Leave 0 if not applicable.

Other upfront fees (SGD)

Legal / agent / valuation (planning).

Back to Planner

This page stores numbers in the URL query string so you can share it (no personal identifiers).

Last updated: 1 Mar 2026

How to use this

This page is a planning model. Use it to get a directionally correct answer fast, then confirm final numbers with your bank/lawyer/agent and official calculators where relevant.

Key assumptions (what this model does and doesn’t do)

This tool exists to reduce re-typing: enter core numbers once, then jump into prefilled calculators.
Inputs are stored in the URL query string for sharing; do not include personal identifiers.
Always re-check fees/taxes with your agent/lawyer for the final transaction.

Worked example

Example: share a scenario with spouse/partner

Use the generated links to share the exact same assumptions so both of you can discuss the same numbers (especially CPF refund and cash shortfall).

Common mistakes

Mixing up cash vs CPF (they behave differently in approvals and refunds).
Using optimistic assumptions (resale value, appreciation, investment return) without testing a conservative scenario.
Forgetting one-off costs (fees, penalties, duties) that dominate short horizons.

FAQ

Is my data uploaded anywhere?

No. It’s a static site; values are in the URL only.

Why do some calculators still require ‘Calculate’ click?

To keep normal browsing safe; auto-run happens only when prefilled values exist.

Can I use this for multiple properties?

Yes — save separate links for each scenario.

References (official where possible)

General planning guidance; confirm taxes/fees with official sources.

Methodology, assumptions, and limitations

This calculator is designed as a planning tool, not financial advice. It uses the inputs you provide and applies common Singapore cost components so you can stress-test affordability.

What’s included

Core ownership costs (financing, depreciation/COE where relevant, insurance, fuel/charging, maintenance, parking/ERP where provided).
Optional “stress tests” (e.g., income drop, interest rate changes, repair spikes) to highlight fragility.

What’s not included

Your personal tax, employer benefits, and edge-case rebates or promotions.
Precise resale/valuation outcomes — those depend on market conditions and vehicle/property specifics.

Use the result as a range, then compare against our related guides below (and your own cashflow buffer).

Last updated: 1 Mar 2026 • See how we update pages.