Free Singapore Property Calculators & Tools
Free Tools · YouHome.sg
These free calculators help you work out the numbers behind a move — what's left after selling your HDB, how much you can borrow to upgrade, your stamp duty, and your payment timeline on a new launch — before you commit. Start with the live one below.
Note: These figures are illustrative and opinion-based, produced with calculation tools — not a valuation or financial advice. Human error is possible; verify against official sources before relying on them.
Start here
Where are you right now?
Pick the moment you're in — the right tool is grouped underneath it.
| Tool | Answers | For |
|---|---|---|
| Sale Proceeds | The cash and CPF you keep after selling | HDB & condo sellers |
| Affordability | The most you can borrow, and the price it supports | Upgraders & buyers |
| Stamp Duty | The BSD and ABSD due on your purchase | Buyers & upgraders |
| Progressive Payment | What you pay at each stage of a new launch | New-launch buyers |
Selling · try it now
How much will I keep after selling?
HDB Sale Proceeds Calculator
Your flat's price isn't the number that matters — what's left after the loan, the CPF refund, and selling costs is. Enter your figures and see it update as you type.
The balance still owed. You can check this with HDB or your bank.
From your CPF statement: principal withdrawn plus accrued interest.
For example, agent fee (often around 2%) plus legal fee (roughly S$2,000–3,500). Leave blank if unsure.
Estimated cash to your bank
S$0
Enter your figures above to see your estimate.
CPF restored to your retirement savings (OA)
S$0
This is your own money moving back into CPF — retirement savings being restored to you, not a cost.
Estimate only. Verify your exact figures with the CPF, HDB and your bank before relying on them. This is illustrative and opinion-based, not a valuation or financial advice.
Upgrading & costs
How much can I borrow to upgrade?
Affordability Calculator (TDSR / MSR)
Works out the maximum you can borrow going in — bounded by the Total Debt Servicing Ratio and, for HDB and EC, the Mortgage Servicing Ratio — and the property price that loan supports. This is your ceiling before you start viewing.
Read the guide: Selling your HDB to buy a condo →
How much stamp duty will I pay?
Stamp Duty Calculator (BSD & ABSD)
Every purchase carries Buyer's Stamp Duty, and a second property carries Additional Buyer's Stamp Duty on top. This works out both from your price and buyer profile — so you see the full tax before you commit, and, if you're upgrading, what the ABSD remission could mean.
Buying a new launch
What will I pay at each stage of a new launch?
Progressive Payment Calculator
A new launch is paid in stages as it's built, not all at once. This maps the payment due at each construction stage from booking to completion — so you can plan your cash flow across the build rather than being surprised by a stage.
Questions
Common questions about these tools
What's the difference between BSD and ABSD?
Buyer's Stamp Duty (BSD) is paid by every buyer on any property purchase, tiered by price. Additional Buyer's Stamp Duty (ABSD) is an extra tax that depends on your residency and how many residential properties you already own — for a Singapore Citizen's second residential property it's currently 20%. Married couples upgrading may qualify for ABSD remission if they sell their first home within 6 months. Rates are set by IRAS.
How do I work out my HDB sale proceeds?
Take your selling price, then set aside your outstanding loan, your CPF refund (principal plus accrued interest), and selling costs such as agent and legal fees. What's left is your estimated cash proceeds — which is exactly what the calculator above does for you.
Is CPF accrued interest a penalty when I sell?
No. The CPF you used for your flat, plus the interest it would have earned, is returned to your own CPF account when you sell. It's your retirement money being restored to you — not a fee or a loss. It only feels like a deduction because it moves back into CPF rather than into cash. You can see the rules on the CPF Board site.
Which calculator should I start with?
Start from where you are. Selling first? Use the Sale Proceeds calculator above. Thinking of upgrading? Start with Affordability, then check your Stamp Duty. Buying a new launch? Progressive Payment shows your cash flow through construction.
Are these figures accurate enough to rely on?
They're estimates to help you plan, built on the details you enter and current published rules. Your actual figures depend on your exact CPF refund, loan redemption, timeline, and costs. Verify against the CPF, HDB, IRAS, and MAS portals before you rely on any number.
Who built these
Want a second set of eyes on your numbers?
Share your figures and I'll review them with you — what they mean, and what a sensible next step looks like from here. No pressure, no obligation.
Message Rick on WhatsApp
Note: Every calculator here gives estimates based on the details you enter and
current published rules. Figures are illustrative and opinion-based, produced with
calculation tools — not a valuation or financial advice. Human error is possible; verify
against the
CPF,
HDB,
IRAS, and
MAS portals before relying on any figure.
YouHome.sg · Rick Long, Huttons Asia (CEA Reg. R026818Z)
What My Clients Say | Genuine Experiences
Real stories, real experiences—because your journey deserves nothing less than the best.
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Self Introduction
Hi, I’m Rick Long,
Associate Senior Division Director, Huttons Asia · CEA Reg. R026818Z
With decades of experience in Singapore’s real estate market, I’ve had the privilege of being mentioned in media outlets such as Channel NewsAsia, The Straits Times, and 99.co.
Over the years, I’ve written extensively on the local property landscape — tackling the real questions buyers and sellers face, and helping them navigate each step with greater steadiness and confidence.
Many of my clients have become long-time friends — their trust and kind reviews continue to inspire me to raise the bar in everything I do.
I believe real estate should be strategic, seamless, and deeply aligned with your life’s journey.