Calculators
Run your own numbers
Each calculator sits on its own page alongside an explanation of what the result actually means — because a number without context is how people talk themselves into the wrong decision.
Coming soon
HDB upgrade affordability
What your household can realistically support after selling your flat — loan, cash, CPF and monthly commitment together, rather than one at a time.
OpenComing soon
Sale proceeds
What actually lands in your hands after the outstanding loan, the CPF refund with accrued interest, and selling costs come out of the sale price.
OpenComing soon
Stamp duty
Buyer's Stamp Duty and, where it applies, Additional Buyer's Stamp Duty for your residency status and property count.
OpenComing soon
Mortgage repayment
Monthly instalment across loan amount, tenure and interest rate — including what happens if rates move against you.
OpenComing soon
Rental yield
Gross and net yield once maintenance, property tax, agent commission and vacancy assumptions are taken into account.
OpenA note on calculators
Every calculator here is a model, and every model rests on assumptions. They are useful for seeing the shape of a decision and for testing what happens when one input changes. They are not a substitute for checking current rules with the relevant authority, or for a conversation about your actual circumstances.