See your net cash, ABSD exposure, and borrowing power in 2 minutes — then unlock your exact condo budget and a personalised action plan.
1
Your HDB
2
Condo Target
3
Your Results
Step 1 of 3 — Your HDB flat
We'll work out your net cash and CPF refund position
Helps us gauge your MOP eligibility and CPF accrued interest position
Please select your year of purchase
Lets us match you with an agent who knows your flat type and estate
Please select your flat type
Where your current flat is located
Please select your town
Including the flat you're selling — affects your ABSD band on the next purchase
Please select how many you own
S$
Set a realistic figure — check recent resale prices at your block on HDB's website
Please enter your target sale price
S$
Enter 0 if your flat is fully paid or if this is a bank loan you'll discharge at sale
S$
From your CPF Home Ownership dashboard at cpf.gov.sg — the 'Principal amount withdrawn' for this flat
Please enter your CPF principal withdrawn
S$
Shown right beside the principal on the same dashboard — the interest you must refund to CPF
Please enter your CPF accrued interest
Step 1 of 3
Step 2 of 3 — Your condo target
We'll calculate your ABSD position and TDSR ceiling
S$
Use the asking price or a project's indicative psf × unit size
Please enter a target condo price
S$
Total gross income of all co-borrowers before CPF and tax
Please enter your combined monthly income
S$
Cash you can put toward the purchase on top of your HDB proceeds (savings, not CPF — leave blank if none)
S$
Car loans, personal loans, study loans — monthly minimum payments (leave blank if none)
Helps your agent tailor unit and project recommendations
Please select a reason
Helps us match you with the right specialist — a free, no-obligation second opinion, even if you already have an agent
Please select an option
Your upgrade readiness picture
Net cash from HDB sale
—
After CPF refund, loan repayment & fees
Estimated from your target sale price. For a breakdown based on your actual sale price, unlock your free action plan and personalised home report below.
CPF OA returned
—
Refunded to OA — reusable for new condo
ABSD exposure
—
Max condo loan
—
Buyer's Stamp Duty
—
Due at condo purchase
Your condo budget
S$,,
Unlock with your free plan ↓
Your free action plan
Unlock your condo budget & personalised action plan
Enter your details to reveal exactly how much condo you can afford, your sell-first vs buy-first move, and the steps to get there — reviewed free by a licensed HDB-upgrade specialist.
You're all set — a licensed upgrade specialist will call within one business day.
Your personalised condo budget
S$—
What this means
Your levers to close the gap
Recommended sequence
Your next steps
Common questions about the calculator
Where do I find my CPF principal and accrued interest?
Log in to cpf.gov.sg and open the Home Ownership dashboard. For your flat it lists the CPF principal you've withdrawn and the accrued interest (2.5% p.a., compounded) you must refund when you sell. We ask for both figures directly because entering your exact numbers is far more accurate than estimating from a purchase date.
What's the difference between net cash and CPF returned?
Net cash is actual money in your bank account after the HDB sale completes. CPF returned goes back into your CPF OA — it's yours, but restricted to housing and retirement use. Both can fund your new condo purchase, but only net cash can cover the mandatory 5% cash downpayment.
How accurate are these numbers?
The calculator uses current IRAS rates, MAS TDSR rules, and standard transaction costs. It gives a reliable directional picture — but your actual figures will depend on your final sale price, exact CPF balance, and bank's loan assessment. Treat this as a planning tool, not a binding quote.