Upgrade / Downgrade Property Calculator (Singapore, 2026)

A planning tool: estimate whether selling your current home covers the cash + CPF you need to buy the next one. Not financial advice.

Fast paths:

A) Sell current property

Sale price (SGD)

Outstanding loan to redeem (SGD)

CPF refund required (principal + accrued, SGD)

Other selling costs (legal/SSD/etc, SGD)

Agent fee (% of price)

GST on agent fee (%)

Next 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)

Additional cash savings (beyond sale proceeds, SGD)

Additional CPF available (beyond refund, SGD)

Interpret this as planning minimum. Actual cash/CPF rules depend on your loan approval, valuation, and transaction structure.

Component	Cash (SGD)	CPF (SGD)	Notes
Enter inputs and click Calculate.