Enter monthly figures to see your full cashflow picture
Income
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Fixed & Essential Costs per month
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Investing per month
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Variable Essential Costs per month
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Discretionary Spending per month
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Take-home payS$0
Fixed & essential costs(S$0)
Variable essential costs(S$0)
Discretionary spend(S$0)
Investment contributions(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
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%
A. Buying this property
How much does this property require?
This calculator does not determine HDB or EC purchase eligibility. Confirm eligibility separately.
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Cash Over Valuation (COV)S$0
25%
Select the percentage of the property price you expect to pay at this stage.
Payments may be made at different stages. Select the percentage applicable to the stage you are planning for.
%
Actual LTV depends on lender, property and borrower conditions.
%
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S$
Purchase requirement summary
Property price
S$0
Less: assumed loan
(S$0)
Required equity (price less assumed max loan)
S$0
Minimum cash downpayment (5%)
S$0
Remaining equity that may be funded with cash / eligible CPF
S$0
Buyer Stamp Duty
S$0
Additional Stamp Duty
Not applicable
Legal fees (purchase)
Valuation fee
Survey and admin
Renovation
Estimated upfront funding required
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.
B. Selling your current property
Current property details
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Standard family fixed levy shown. Actual levy may differ for singles or older resale-levy regimes.
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Sale priceS$0
Seller Stamp Duty (S$0)
HDB/EC sales are subject to the applicable Minimum Occupation Period (MOP). Confirm that the property is eligible for sale before using these estimates.
Outstanding loan(S$0)
CPF housing refund(S$0)
Legal fees (sale)(S$0)
Agent commission / sale marketing fees(S$0)
Applicable resale levy(S$0)
Estimated net cash proceedsS$0
Actual CPF refund can depend on sale proceeds and CPF rules. Verify the amount available for reuse with CPF.
Estimated CPF housing refundS$0
Apply to new purchase
Pre-filled from your sale proceeds. Adjust if keeping some cash aside for emergencies, agent fees, or other costs. Amounts entered cannot exceed the calculated net cash proceeds or CPF housing refund.
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Amount exceeds net cash proceeds from sale. The excess is not counted toward funding.
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Amount exceeds CPF housing refund from sale. The excess is not counted toward funding.
C. Funding position
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Funding required at this stageS$0
Less: existing cash available(S$0)
Less: existing CPF OA applied(S$0)
Less: cash proceeds from property sale(S$0)
Less: CPF refund from property sale applied(S$0)
Additional funding requiredS$0
D. Cashflow impact
What happens to my monthly cashflow if I buy this property?
%
Indicative HDB concessionary rate assumption. Adjust if required.
25 years
S$
New loan amountS$0
New total monthly mortgageS$0
Less: CPF used monthly(S$0)
New mortgage paid from cashS$0
Current mortgage paid from cash
From "Mortgage, cash portion only" in My Finances.S$0
Monthly maintenance / conservancy for new propertyS$0
Current maintenance / conservancy charges
From My Finances.S$0
Monthly property tax for new propertyS$0
Current property tax
From My Finances.S$0
Monthly housing cashflow changeS$0
--%
Savings rate after housing change
Monthly cashflow impact assumes the full estimated loan is drawn. Actual mortgage payments may be lower during progressive payment stages before completion.
Timeline
--
to reach your goal
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Scenario Analysis
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Disclaimer: Facilitator use only. Figures are illustrative. This does not constitute financial advice. Not for distribution to clients.
FINANCIAL GOALS CALCULATOR