Singapore first-home planning tool

Can you afford the flat without wrecking life after key collection?

Estimate your HDB budget, likely loan range, CPF usage, upfront cash, post-purchase emergency buffer, and monthly cash top-up. It is built for faster first-pass planning, not false certainty.

Pressure-test the purchaseSee whether the flat price is comfortable, manageable, or stretched.

Expose the cash hitDownpayment, COV, stamp duty, legal fees, renovation, and move-in costs in one view.

Protect life after buyingCheck cash buffer and monthly stress instead of obsessing over flat price alone.

Use this as an educational planning estimate. Your HFE letter, CPF rules, bank approval, official valuation, legal advice, and actual contractor quotes still win.

Comfortable planning budget

A rough ceiling based on income stress, available CPF, usable cash, and your target emergency buffer.

Estimated cash needed upfront

Includes cash downpayment, COV, stamp duty, legal, renovation, furniture, and a simple transaction allowance.

Monthly cash top-up

Mortgage payment less the CPF OA you expect to allocate monthly to housing.

Your numbers

Live estimate

Start with realistic numbers. If you are unsure, be conservative. This page is more useful when it tells you “not yet” early.

Assumption snapshot HDB-style planning assumptions will appear here.

1. Buyer profile

Buyer type

Buyer 1 age

Buyer 2 age

Monthly household income Use a stable monthly number, not best-case commissions or bonuses.

CPF OA available for purchase

Cash savings available

Monthly debt commitments Include car, education, personal, and instalment debt you cannot ignore.

2. Flat and financing

Estimated flat price

Estimated valuation (resale) If price exceeds valuation, the gap is treated as cash over valuation (COV).

Loan type

Interest rate %

Requested loan tenure (years)

Expected grants Enter only grants you think you can actually qualify for. If unsure, use a smaller number.

3. Move-in and buffer

Renovation

Furniture / appliances

Emergency fund target (months)

CPF OA for mortgage / month

Readiness score

Ready, with planning discipline

Your HDB Money Map

Fill in your numbers to see whether the flat looks comfortable, manageable, or stretched.

Purchase price

Your stated flat price.

Loan estimate

Conservative planning estimate, not approval.

Monthly mortgage

Based on rate and effective tenure.

Cash gap

Shortfall after upfront + move-in costs.

How the purchase is funded

Loan, grants, CPF, cash downpayment, and resale COV if applicable.

Monthly stress meter

Shows the split between mortgage payment, CPF OA support, and cash top-up pressure.

Cash needed before move-in

Useful when the flat seems affordable on paper but the upfront cash still bites.

Life after buying

The purchase is only half the story. The quality of life after buying matters more.

Fastest ways to improve this plan

Practical levers, ranked by likely impact on comfort and survivability.

What is driving the score

So the page feels explainable instead of mysterious.

Planning diagnosis

Use this as a short plain-English readout before you get deeper into HFE, valuation, and loan paperwork.

How this estimate works

What the tool includes, what it simplifies, and where the official answers must come from.

Included in the estimate

Loan sizing using simple HDB vs bank planning rules
Downpayment, COV, stamp duty, legal, renovation, furniture, and a small purchase allowance
Monthly mortgage stress, CPF coverage, and emergency fund remaining

Simplified on purpose

Grant eligibility is user-entered, not auto-determined
Real MSR / TDSR / age / remaining lease treatment can differ by lender and buyer profile
Actual legal fees, contractor pricing, insurance, and moving costs vary

Always verify with official sources

Before committing, check your HFE letter, CPF limits, bank approval, official valuation, and the total renovation scope. This tool is meant to sharpen judgment, not replace due diligence.