Free Tool · No Sign-Up Required

HDB Upgrade Calculator

Find out exactly how much cash you'll walk away with, what condo you can afford, and whether it's the right time to upgrade — in under 2 minutes.

✓ Includes CPF refund ✓ ABSD calculator ✓ Max loan estimate ✓ Real Singapore figures
1Your HDB
2Your Profile
3Results

Tell us about your HDB flat

$
💡 Check actual recent transactions at HDB Resale Statistics — use a comparable transacted price, not your target price.
$
$
Find this in your CPF statement under "Property"

Your financial profile

$
$
$
$

Your Upgrade Summary

Based on the details you provided

Your Estimated Condo Budget
—
Maximum purchase price (before ABSD)
Conservative
—
Comfortable payments
Recommended
—
Balanced approach
Stretched
—
Max TDSR limit

📤 After Selling Your HDB

Estimated sale price —
Less: Outstanding HDB loan —
Less: CPF refund to OA (principal + accrued interest) —
Less: Agent commission (~1%) —
Less: Legal fees (est.) –$3,000
Net cash proceeds (goes to your bank) —
CPF OA after refund (available for next purchase) —

🏠 For Your New Private Property

ABSD payable —
Max loan (based on TDSR 55%) —
Max monthly instalment —
Total funds available (cash + CPF) —
Estimated Buyer's Stamp Duty (BSD) —

🔍 D5 New Launches in Your Budget

Get a Personalised Upgrade Plan

These are estimates. I'll work through the exact numbers with you — factoring in your specific CPF, loan eligibility, and timeline — and help you find the right property in District 5.

💬 WhatsApp Alyssa — Free Consultation 🏠 Get My Home Valuation

Alyssa Chow · CEA Reg No. R065727G · No obligation · 100% free

Figures are estimates for planning purposes only. Actual sale proceeds, loan eligibility, CPF refunds and stamp duties depend on individual circumstances. Please consult a licensed property agent and financial advisor for verified advice. All calculations based on prevailing Singapore regulations as of 2026.
💰
CPF Refund
When you sell your HDB, the CPF used (plus accrued interest at 2.5%/yr) must be returned to your OA. It can then be reused for your next purchase.
🏦
ABSD for Upgraders
Singapore Citizens buying their first private property pay 0% ABSD. If you sell your HDB first, there's no ABSD. Timing matters.
📊
MSR vs TDSR
HDB loan → MSR (30%): monthly repayment capped at 30% of gross income. Private property → TDSR (55%): all debt repayments (including the new mortgage) capped at 55%. This calculator uses TDSR for your new condo loan.
🔑
25% Cash Down
For private property with a bank loan, you need at least 25% down payment. At least 5% must be in cash — the rest can be CPF.

© 2026 Clementi D5 · Alyssa Chow · CEA Reg No. R065727G · Home · New Launches · Contact