AssetRunway — Upgrading Calculator

Owners & Current Property

Citizenship and existing property count set each owner's ABSD rate.

Owner 1

Name

Age

Citizenship

# properties owned

Owner 2

Name

Age

Citizenship

# properties owned

Selling price of current property (S$)

Outstanding bank loan (S$)

Owner 1 CPF principal used (S$)

Owner 2 CPF principal used (S$)

Owner 1 CPF accrued interest (S$)

Owner 2 CPF accrued interest (S$)

Legal fees on sale (S$)

Loan Eligibility Inputs

Drives TDSR (55%) and MSR (30%) eligible loan amounts.

Owner 1

Employment status

Fixed monthly income (S$)

Yearly bonus (months) ⓘ

Variable/other monthly income (S$) ⓘ

Monthly liabilities (S$)

Owner 2

Employment status

Fixed monthly income (S$)

Yearly bonus (months) ⓘ

Variable/other monthly income (S$) ⓘ

Monthly liabilities (S$)

Stress-test interest rate (%)

Next Property

Choose new-launch (BUC) or resale — the cash-flow schedule and disbursement logic differ.

Owner 1 CPF‑OA balance (S$) ⓘ

Owner 2 CPF‑OA balance (S$) ⓘ

Prevailing bank interest rate (%) ⓘ

Which budget tier should you look at? ⓘ

Based on your sale proceeds, CPF‑OA balance and income — before you fix on a price.

Customize reserve-month targets

Estimate by

Property price (S$)

Loan % of price ⓘ

Legal fees, next purchase (S$)

Who's buying

CPF contribution situation after moving ⓘ

Monthly rent while waiting (S$)

Extra cash savings pumped in (S$)

Construction Timeline (editable, months per stage)

Sale of Current Property

Total sale proceedsⓘ

–

Total cash proceedsⓘ

–

Total CPF refund (+ interest)ⓘ

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Agent commission (2.18%)ⓘ

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Loan Eligibility

Income-weighted avg. ageⓘ

–

Max loan tenure (yrs)ⓘ

–

Monthly CPF‑OA contributionⓘ

–

Private property — combined loan eligibilityⓘ

–

TDSR 55%

HDB resale — combined loan eligibilityⓘ

–

MSR 30%, max 25-yr tenure

New EC — combined loan eligibilityⓘ

–

MSR 30%

Private property — max purchase priceⓘ

–

at 75% LTV

HDB resale — max purchase priceⓘ

–

MSR 30%

New EC — max purchase priceⓘ

–

MSR 30%

Next Purchase — Funding

Monthly installmentⓘ

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Loan amountⓘ

–

BSD payableⓘ

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ABSD payableⓘ

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Cash needed for 5% (before loan)ⓘ

–

Cash proceeds after 5% cashⓘ

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CPF balance after fees + 25% + BSD/ABSDⓘ

–

Net cash balance carried forwardⓘ

–

Funds Usage Checklist

Source	CPF‑OA (next home)	CPF balance	Cash proceeds	Savings
Used?	✔	–	–	–

Safety Buffer

How long surplus funds can cover the gap between CPF contributions/cash and mortgage installments, under different funding scenarios.

CPF‑OA onlyⓘ

–

+ CPF balanceⓘ

–

+ Cash proceedsⓘ

–

+ Savings (rent scenario)ⓘ

–

Month-by-Month Runway 0 months

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Interest Matters — interest & principal paid so far Rent Matters — rent paid & cash left if renting

Stage	Months ⓘ	Loan disb.	CPF‑OA acc.	Instalment	Instalment acc.	CPF surplus	+ CPF bal.	+ Cash	Interest acc.	Principal acc.	Rent acc.	Cash surplus (rent)