Upgrade planner

Can I afford to upgrade, and in what order?

What your sale actually releases, what the next home costs on top of its price, and how the numbers change if you buy before you sell. Nothing you type leaves this page.

The home you're selling

It's

An HDB flatA condo or landed home

Expected sale price

Not sure? See what homes in your block sold for.

Loan still owed

CPF to refund

CPF to refund is the CPF you used plus the interest it would have earned. It's on your CPF statement under "My property". It goes back into your CPF account, not your pocket.

Date you bought it

Agent fee, % before GST

Other selling costs

Your lawyer's quote, and any other costs of selling.

The home you're buying

Price

Buyer

Singapore CitizenPRForeigner

Buying together? Choose the profile that pays the most. IRAS charges that rate on the whole price.

We're a married couple, at least one of us a Singapore Citizen, buying in both our names

Other homes you own, besides the one you're selling

Loan for the new home (optional)

Your income may support less. Check it in the loan calculator.

What you have now

Cash savings for this

CPF OA balance today

Rules as at 2 Oct 2026:buyer's stamp duty ·ABSD ·ABSD refund for married couples ·seller's stamp duty ·GST 9% (IRAS) ·loan-to-value limits (MAS). On a completed home, stamp duty is paid in cash first and CPF can reimburse it afterwards.