PROPERTY • PLANNING

Property Upgrade Planner (Sell → Buy Next)

This page is your one-flow routing layer. Pick your situation, then run the right calculators in the right order.

Quick routing

Go Back to Property hub

If the Go button doesn’t move, pick a scenario first.

Common gotcha: CPF refund

Your sale proceeds can look “high” until CPF refund is applied. If you don’t know the CPF refund yet, estimate it here: CPF accrued interest calculator.

The recommended workflow

1

Estimate your sell proceeds

Start with how much cash you actually get after loan redemption + fees + CPF refund.
Run sell proceeds Read sell cost guide
2

Estimate upfront cash + CPF needed (next purchase)

Downpayment + duties + fees split into cash vs CPF.
Run upfront cash + CPF Stamp duty calculator
3

Check your loan ceiling (TDSR/MSR)

Make sure your target price is actually financeable.
Run TDSR/MSR calculator Amortization calculator
4

Bridge it all in one shot

If you’re upgrading/downgrading, use the combined bridge calculator.
Upgrade/downgrade bridge Upgrade ladder

If you’re deciding to rent out instead

Renting out isn’t free money. Compare “sell now → invest” vs “rent out → invest net rent → sell later”.

Rent out vs sell calculator Read decision guide

If you’re optimising financing

Run the “break-even” checks before you commit.

Refinance savings Pay down vs invest
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