Upgrading Calculator
Property Planning Tool
Owner Information
Owner 1
Age
Monthly Income ($)
CPF OA Contribution
$840
Max Loan Period (years)
25
Owner 2 (optional)
Age
Monthly Income ($)
CPF OA Contribution
$0
Max Loan Period (years)
-
Combined Age (weighted)40
(If only 1 sole owner, just need to key in under Owner 1)
Loan Parameters
LTV
75%
Interest Rate
1.55%
TDSR Ratio
55%
TDSR Stress Test
4%
(As of 8 Jan 2026. For latest best rate, please contact us directly)
Selling Your Current Property
Selling Price ($)
Outstanding Loan ($)
CPF Used (Incl. Accrued Interest) ($)
Legal Fees
$3,000
Marketing Fees (2% + GST)
$9,156
Cash Proceeds
$127,844
Equity After Selling
Cash Savings ($)
Net Cash Proceeds
$127,844
Total Cash Equity
$127,844
CPF OA Available ($)
If husband and wife, please put combined amount
CPF Refund
$200,000
Total CPF Equity
$250,000
Total Equity Available$377,844
Maximum Property Affordability
Based on Loan
Max Loan Available$416,795
Max Property Price$555,727
Monthly Mortgage$-1,677
Assuming there is no other debts at all (Car/bike installment / renovation loan etc)
Based on Equity
Max Property Price$1,259,480
Monthly Mortgage$-3,800
Cashflow Calculator
Calculate rental income vs mortgage payments (based on max equity property)
Gross Rental (Monthly) ($)
Total Expenses (Monthly) ($)
| Monthly | Annual | |
|---|---|---|
| Gross Rental | $4,500 | $54,000 |
| Expenses | $850 | $10,200 |
| Net Rental | $3,650 | $43,800 |
| Installment | -$-3,800 | -$-45,601 |
| Cashflow | $8,300 | $99,601 |
This calculator is for estimation purposes only. Please consult a professional for accurate financial advice.