Menu
HausLife.sg · Free Tool
HDB Upgrade Calculator
Enter your details below to see your budget for your next property and what to do next — in under 3 minutes. No sign-up required.
0 of 7 fields complete
Owner 1
Please enter a valid age (21–99)
Please select citizenship status
Your base salary before CPF deductions, as shown on your payslip.
Please enter a valid monthly income
Commission, allowances, or other variable pay. Tip: if this is an annual bonus, divide it by 12 to get the monthly figure.
Please enter 0 if none
Car loan, hire purchase, personal loan, etc. These count against your Total Debt Servicing Ratio (TDSR). Enter 0 if none.
Please enter 0 if none
Savings you want to use, separate from your HDB sale proceeds. Enter 0 if none.
Please enter 0 if none
CPF OA you have now, separate from the CPF refund from your HDB sale. Enter 0 if none.
Please enter 0 if none
Owner 2 Optional
Please enter a valid age (21–99)
Please select citizenship status
Owner 2's base salary before CPF deductions, as shown on payslip.
Please enter a valid monthly income
Commission, allowances, or other variable pay. Tip: if this is an annual bonus, divide it by 12.
Car loan, hire purchase, personal loan, etc. Enter 0 if none.
Owner 2's own savings, separate from HDB sale proceeds.
Owner 2's CPF OA now, separate from the refund from the HDB sale.
Your current HDB flat
Use HDB resale price checker or recent valuation
Please enter a value between S$100,000 and S$2,000,000
Enter 0 if fully paid. Check via HDB My Flat portal.
Must be S$0 or more, and less than HDB value
Total CPF withdrawn for this flat plus accrued interest to date. Find this at my.cpf.gov.sg → My Statement → Property.
Please enter a valid amount (S$0 or more)
5 years from your flat's key collection date
Please enter your MOP date
Your results are in.
Based on your inputs, here's your financial picture.
Monthly mortgage at different interest rates
Based on your max loan for Private Property. How your instalment changes if rates rise.
Interest rates shown are for illustrative purposes only and may not reflect current market rates. Actual bank rates vary by loan package, tenure, and credit assessment at the time of application.
These numbers show what you can buy.
We help you decide if you should.
The calculator gives you a financial picture. What it can't tell you is whether upgrading is the right move for your life — and your wealth — right now. That's what a Property Review is for.
Is this the right time to upgrade?
Market timing, your MOP window, interest rate direction, and your personal timeline all interact. We map these against your specific situation — not generic advice.
Which property type actually fits your goals?
Private condo, EC, or bigger HDB — each has different capital appreciation profiles, restrictions, and cash flow implications. We match the option to your 5 and 10-year objectives.
Sell first or buy first?
The sequencing decision determines your ABSD exposure, cash flow risk, and negotiating position. We model both paths with your actual numbers and recommend one.
Are you leaving money on the table?
CPF strategy, downpayment structure, loan package selection, and negotiation can each move the outcome materially. Most sellers don't know what they've left behind.
"
What we appreciated most was their transparency, patience, and genuine support. They are not the typical agents who just focus on closing a deal. They took the time to analyse our finances, made recommendations based on our needs and affordability, and consistently reminded us of important timelines and considerations throughout the process. We truly felt supported and confident in our decisions because of them, and would highly recommend them to anyone looking for agents who genuinely have their clients’ best interests at heart.
HausLife client — 4-room BTO seller, upgraded to private condo 2026
16+years experience
5.0★from Google reviews
Freeno-obligation review
Let's talk through your numbers.
Drop us your name and number — we'll reach out on WhatsApp to find a time that works. We'll already have your results ready, so the conversation can start where it matters.
We'll reach you here
No commitment. Independent advice. Your details stay between us.
Disclaimer: All figures are estimates based on your inputs and publicly available MAS, HDB, and IRAS policy guidelines as of June 2026. This tool does not constitute financial advice. Loan quantums, LTV limits, TDSR/MSR thresholds, and CPF rules are subject to change and to actual bank assessment. Please consult a licensed financial adviser or property consultant before making any property transaction. HausLife.sg accepts no liability for decisions made based on this tool's output.