Enter monthly figures to see your full cashflow picture
Income
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S$
S$
Fixed Obligations per month
S$
S$
S$
S$
S$
S$
S$
S$
S$
S$
S$
S$
S$
S$
S$
Discretionary Spend per month
S$
S$
S$
S$
S$
S$
S$
S$
S$
S$
Take-home payS$0
Fixed obligations(S$0)
Discretionary spend(S$0)
Monthly savingsS$0
0%
Savings rate
Savings Gap Analysis
%
Current savings rate--%
Current monthly savingsS$0
Target savings rate20%
Target monthly savingsS$0
Monthly gapS$0
To close entirely by spending lessS$0
To close entirely by earning moreS$0
S$0
S$0
New monthly savingsS$0
New savings rate0%
Gap remainingS$0
All figures represent combined household totals per month. Savings rate is combined household savings as a percentage of combined take-home.
Financial Goals
Based on your monthly savings from My Finances
S$
S$
S$
25%
Set this based on the financing and payment stage being modelled.This controls the upfront payment being modelled. It does not determine the assumed loan-to-value.
BTO payments may be staged. Adjust the percentage to the payment stage you want to model.
S$
S$
S$
Current property details
S$
S$
S$
S$
Standard family fixed levy shown. Actual levy may differ for singles or older resale-levy regimes.
S$
S$
Sale priceS$0
Seller Stamp Duty (S$0)
HDB/EC sales are subject to the applicable Minimum Occupation Period (MOP). Confirm sale eligibility and timing. SSD is generally not relevant once the applicable MOP has been fulfilled.S$0
Outstanding loan(S$0)
CPF refund applied (from sale proceeds)(S$0)
HDB resale levy(S$0)
Legal fees (sale)(S$0)
Agent commission / sale marketing fees(S$0)
Net cash proceedsS$0
Estimated CPF principal + accrued interestS$0
Estimated CPF refund from sale proceedsS$0
CPF refund is estimated. If sale proceeds are insufficient to refund the full principal and accrued interest, the amount refunded may be limited by available sale proceeds, assuming the property is sold at market value. CPF accrued interest is estimated at 2.5% p.a. on the total CPF used from purchase date. Actual accrued interest may differ as CPF was drawn down progressively. Agent commission / sale marketing fees are included only if entered.
Estimated CPF refund
S$0
Amount available for a subsequent property purchase may differ, particularly for sellers aged 55 or above.
Apply to new purchase
Pre-filled from your sale proceeds. Adjust if keeping some cash aside for emergencies, agent fees, or other costs.
S$
Amount exceeds net cash proceeds from sale.
S$
Amount exceeds CPF refund from sale.
S$
Amount exceeds available liquid savings.
Monthly impact
S$
%
Indicative HDB concessionary rate assumption. Adjust if required.
25 years
S$
Transaction costs (BSD + ABSD + fees)S$0
Estimated new loan amountS$0
Downpayment / equity shortfallS$0
Estimated new total monthly mortgageS$0
Less: estimated CPF used monthly(S$0)
Estimated new mortgage paid from cashS$0
Current mortgage paid from cashS$0
Monthly cashflow increase / decreaseS$0
--%
New savings rate after upgrade
Cost breakdown
Downpayment
S$0
Less: CPF OA used
(S$0)
Minimum cash component (bank financing, 5%)
S$0
Buyer Stamp Duty
S$0
Additional Stamp Duty
Not applicable
Legal fees
Valuation fee
Survey and admin
Renovation
Estimated cash outlay
S$0
Assumes CPF entered above is applied toward the selected downpayment. Some eligible purchase costs may also be payable using CPF. Bank-financed purchases remain subject to the minimum cash component shown.
BTO keys are typically 3 to 5 years after launch. Renovation costs are not immediate. Your savings runway is longer than the total suggests.
Liquid savings after purchase
Enter current savings below to see this
--
S$
S$
%
Timeline
--
to reach your goal
Scenario Analysis
S$0
S$0
With changes--
Disclaimer: Facilitator use only. Figures are illustrative. This does not constitute financial advice. Not for distribution to clients.
FINANCIAL GOALS CALCULATOR