Should I Upgrade?

What will your finances look like after buying your next home?

A tool for Singaporeans to stress test their plan to upgrade.

Property portals show the maximum loan a bank will give you, not the financial breathing room you actually need to live your life. This tool helps you answer:

  • How much cash and CPF will you actually have left after the sale and purchase?
  • Will upfront costs and progressive stamp duties wipe out your safety net?
  • Can your monthly CPF contributions fully support the loan, or will you be cash-poor?

100% Private: No data leaves your browser; all calculations run locally. No agents, no spam. Best used on desktop.

Coming back?

Do you own a property you'll be selling?

How much cash do you have available? (You can change this later)

$

How much you'll receive

Selling price Cash CPF Refund Total
Gross Agent Fee Legal Fee Net

No account needed. Here's the trade-off.

Your data never leaves your browser

This tool runs entirely in your browser. Nothing is sent to a server and there's no login. That also means your inputs aren't automatically remembered between visits.

To pick up where you left off, download your session as a file. Next time you open the tool, use Restore from a saved session on the home screen to load it back in an instant.

Saves as a small .json file you can load back any time