Enter monthly figures to see your full cashflow picture
Income
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S$
S$
Fixed Obligations per month
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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%
S$
S$
S$
Current property details
S$
S$
S$
S$
S$
Sale priceS$0
Seller Stamp Duty (S$0)
HDB/EC has a 5-year MOP. SSD generally does not apply, but confirm your eligibility and sale timing.S$0
Outstanding loan(S$0)
CPF refund to OA (incl. accrued interest)(S$0)
HDB resale levy(S$0)
Legal fees (sale)(S$0)
Agent commission / sale marketing fees(S$0)
Net cash proceedsS$0
CPF refund including accrued interest at 2.5% per year goes back to your OA. This is not cash, but it is available for your new purchase. 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.
CPF returned to OA (available for new purchase)
S$0
Apply to new purchase
Pre-filled from your sale proceeds. Adjust if keeping some cash aside for emergencies, agent fees, or other costs.
S$
Amount exceeds net cash proceeds from sale.
S$
Amount exceeds CPF refund from sale.
Monthly impact
S$
%
25 years
Transaction costs (BSD + ABSD + fees)S$0
Estimated new loan amountS$0
Current monthly mortgageS$0
New estimated monthly mortgageS$0
Monthly increaseS$0
--%
New savings rate after upgrade
Cost breakdown
Downpayment
S$0
Less: CPF OA used
(S$0)
Buyer Stamp Duty
S$0
Additional Stamp Duty
Not applicable
Legal fees
Valuation fee
Survey and admin
Renovation
Total cash needed
S$0
BTO keys are typically 3 to 5 years after launch. Renovation costs are not immediate. Your savings runway is longer than the total suggests.
Liquid savings after purchase
Enter current savings below to see this
--
S$
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