No agents. No ads. No conflict of interest.

The friendlier way to plan
your HDB upgrade.

Six free calculators covering every stage of your upgrade journey — built by a homeowner who went through it, not someone who profits from it.

1 Net Proceeds 2 Affordability 3 Stamp Duty 4 Bridging Loan 5 Reno Budget 6 Agent Fit
1
Net Proceeds Calculator
What will you actually walk away with after selling your HDB?
$
$
$
$
$
$
Breakdown
Sale price-
Less: Outstanding loan-
Less: CPF refund (principal + interest)-
Less: Agent commission-
Less: Legal & other costs-
Cash in hand-
CPF OA balance after refund (yours, not cash) -
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2
Upgrade Affordability Checker
MSR, TDSR, max loan and max property price — all in one go.
$
$
yrs
$
$
Affordability Summary
MSR cap (30% of income)-
TDSR cap (55% income minus debts)-
Binding monthly repayment limit-
Maximum loan quantum-
CPF + Cash available-
Max property price-
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3
Stamp Duty Calculator
BSD and ABSD on your new purchase — know your upfront costs before you commit.
$
Stamp Duty Breakdown
Purchase price-
Buyer's Stamp Duty (BSD)
BSD Total-
ABSD Rate-
ABSD Amount-
Total Stamp Duty-
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4
Bridging Loan Estimator
Buying before your HDB sale completes? Estimate the financing gap and interest cost.
$
$
$
% p.a.
months
Bridging Loan Estimate
Cash shortfall (gap to bridge)-
Bridging loan amount-
Interest rate-
Bridging period-
Total interest cost-
Monthly interest charge-
Bridging loans are typically interest-only. Rates vary from ~4.5% to 6%+ p.a. Always confirm with your bank. Some banks require your HDB OTP before approving the bridging facility.
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5
Renovation Budget Planner
Rough cost guide for your new home — select what you plan to renovate.
Renovation Cost Estimate
Estimated total range-
Market estimates based on Singapore renovation costs 2026. Actual quotes may vary 20-30%. Always get 3 quotes from licensed contractors — verify at BCA registry.
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6
Is This Agent Right For You?
A quick reflection tool — not about good or bad agents, just about fit.

Answer honestly based on your experience so far. There are no wrong answers — this is just to help you reflect on whether you and your agent are well aligned.

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Important Disclaimer All figures are estimates for planning purposes only. This is not financial, legal, or property advice. CPF refund amounts should be verified directly with CPF Board. Stamp duty rates are based on published IRAS rates as of June 2026 — verify at iras.gov.sg. Loan eligibility depends on your individual credit profile and lender assessment. The creator of this tool is not a CEA-registered property agent. Always consult qualified professionals before making property decisions.

Privacy: This site does not collect or store any personal data. All calculations run locally in your browser. This site uses Google Analytics to measure anonymous visitor traffic only, in accordance with Singapore's Personal Data Protection Act (PDPA).