Property planning tool

Property Budget Calculator

See how your cash, CPF and bank loan pay for a property, with every contribution, stamp duty and shortfall explained.

Your figures stay on this device and are not submitted to us.

Your figures

Change any figure to update the full breakdown below.

Purchase type Cash available

CPF OA available

Approved bank loan

Use the approved or indicative loan amount, not the property price. Interest rate per year

Loan tenure

years

Mortgage buffer to retain

months

Purchase price to assess (optional)

Enter a property's price to see exactly what you need. Leave blank to assess the recommended maximum.

Model: up to 75% bank loan, 5% compulsory cash, and the remaining 20% from CPF or cash. CPF is allocated to the purchase first, then BSD.

Your budget range

See the maximum, then follow the payments below.

Recommended maximum after buffer S$0

Current limiting factor: Enter your figures

Maximum before keeping a bufferS$0

Stretch maximum with additional own fundsS$0

The recommended maximum assumes the bank funds 75%. The stretch maximum can use extra cash or CPF when your approved loan covers less than 75%, while keeping the selected buffer. Maximum prices are rounded down to the nearest S$1,000.

Why this recommended maximum?

The lowest of these three price limits sets the recommended maximum. The cash + CPF limit also allows for any CPF shortfall paid with cash.

Follow the money

Your purchase breakdown

At the recommended maximum

Purchase price being assessedS$0

Enter your cash, CPF and approved loan to start, or enter a purchase price to assess.

Total cash needed upfrontS$0

Total upfront cash shortfallS$0

Cash covering the 20% CPF shortfallS$0

Mortgage buffer requiredS$0

1. How the purchase price is funded

Together, these payments add up to the purchase price. BSD is added separately in section 3.

Payment	Calculation	Required	From loan	From CPF	From cash

2. Is there enough cash and CPF?

Compulsory 5% cash

CPF cannot replace this cash requirement. Any shortage here is already included in the total upfront cash shortfall below.

Remaining 20% downpayment

Any part not covered by CPF is paid directly with cash. This is included in total cash needed upfront.

3. Buyer's Stamp Duty, band by band

This estimate assumes the purchase price is at least the market value. Actual BSD uses whichever is higher.

Residential BSD band	Amount in this band	Rate	Duty

How BSD is funded

When the cash is needed

4. Add up the cash you need

The total cash shortfall compares all upfront cash required with your cash available. It includes the compulsory 5% shortage; do not add that shortage again.

5. What remains after purchase and buffer?

Negative balances are shown as shortfalls. The buffer is a reserve for future mortgage payments, not an additional purchase fee.

Step	Calculation	Cash balance	CPF balance

The buffer uses remaining CPF first, then cash, matching this planning model. It assumes that CPF is eligible for the monthly mortgage. For a new launch, this is the full-loan repayment estimate, not a progressive-payment schedule.

What this estimate includes

Included

75% bank-loan assumption, 5% compulsory cash, the remaining 20% from CPF or cash, residential BSD, mortgage estimate and your selected buffer.

Not included yet

ABSD, legal and valuation fees, renovation, cash over valuation, CPF withdrawal limits, TDSR and progressive-payment timing.

Planning estimate only. BSD is based on current residential rates, but actual duty is calculated on the higher of purchase price or market value. Confirm financing, CPF use and duties with the relevant institutions before committing. Check CPF housing guidance. Check IRAS guidance.