Sale price − outstanding loan − CPF refund (CPF used + accrued interest) − legal and selling costs = estimated cash proceeds. Look at cash and CPF together.
PROPERTY WEALTH PLANNING™
Asset Progression Planner
Compare sale proceeds, loan capacity, purchase funding and timing before your next property move.
Check each owner and the combined household. Calculator results are estimates, not loan approval.
Add up cash and CPF outlay, BSD and any ABSD, legal fees, loan and monthly instalment. Then ask: how many months can the remaining funds cover?
Compare routes after checking eligibility, financing, taxes and what your household actually wants.
Common upgrader routes
More certainty on cash flow and funding, but you may need somewhere to stay in between.
Secure your next home earlier and allow time to renovate, but you need more cash upfront and must check ABSD and refund rules.
Line up sale and purchase dates to reduce moving friction; deposits and completion dates need careful planning.
Start with the facts
Life: goal, preferred location, household needs and timing.
Numbers: ages, incomes, CPF OA, cash and other assets, debts, current property value, outstanding loan, and CPF used plus accrued interest.
Estimates only, not financial, tax or lending advice. Rules as at 3 Oct 2026.