Property Upgrade Ladder Calculator (Singapore, 2026)

This tool answers: “If I want to buy a property at S$X, what income do I need — and what cash/CPF buffer is required upfront?” It’s conservative by design and intended for planning.

Inputs

Target property price (SGD)

Loan‑to‑value (LTV, %)

Minimum cash downpayment (% of price)

BSD amount (SGD)

ABSD amount (SGD)

% of stamp duty paid by CPF

Other upfront fees (legal/agent/valuation, SGD)

Option / booking fee (cash, SGD)

Other cash‑only items (reno deposit, etc, SGD)

Household gross income (SGD/month)

Other monthly debt payments (SGD/month)

TDSR cap (%)

MSR cap (%) (0 if not applicable)

Stress interest rate (%/year)

Loan tenure (years)

Available cash buffer (SGD)

Available CPF OA buffer (SGD)

Tip: If you’re upgrading/downgrading, set “Available cash/CPF” to your expected buffers after selling your current home. For a detailed sell→buy bridge, use the upgrade/downgrade calculator.

Results

Needed loan (by LTV)

—

target price × LTV

Max loan (by TDSR/MSR)

—

Required income (if short)

—

to support needed loan

Upfront cash shortfall

—

cash needed − available cash

Upfront cash needed

—

min cash DP + cash duties + fees

Upfront CPF used (plan)

—

CPF DP + CPF‑paid duties

CPF shortfall

—

CPF needed − available CPF

Max housing payment

—

after other debts

Upfront breakdown	Cash (SGD)	CPF (SGD)
Enter inputs and click Calculate.

Next steps

TDSR/MSR calculator (max loan only, more focused)
Upfront cash + CPF calculator (more detailed upfront planning)
Upgrade/downgrade sell→buy bridge calculator (sell proceeds + buy next)
Property financing hub