Comfortability Calculator
How much cash and CPF your next purchase needs, what's left after buying, and how long your reserves can carry the mortgage.
1. You and your income
Car, personal loans
Leave blank to use our estimate: S$3,150
2. Selling your current property
Principal + accrued interest
Plus 9% GST
Agent Fee incl. GST
S$20,492
Back to Your CPF OA
S$280,000
Cash Proceeds
S$436,508
3. Your money today
Not counting the sale
Not counting the refund
Total Cash
S$736,508
Total CPF OA
S$400,000
Total Capital
S$1,136,508
4. Your next purchase
Paid in cash
Residency
Other properties you will own when buying
Other housing loans when buying
Your purchase plan
No cash top-up requiredFor a S$2,500,000 home with a 75% loan of S$1,875,000.
| Funds needed for purchase | Amount | From cash | From CPF OA |
|---|---|---|---|
| Cash downpayment (5% minimum) | S$125,000 | S$125,000 | S$0 |
| Rest of the downpaymentCPF OA first, then cash | S$500,000 | S$100,000 | S$400,000 |
| Buyer's stamp duty | S$94,600 | S$94,600 | S$0 |
| Legal & valuation fees | S$3,000 | S$3,000 | S$0 |
| Renovationpaid in cash | S$50,000 | S$50,000 | S$0 |
| Total needed | S$772,600 | S$372,600 | S$400,000 |
| Bank loan not paid up front | S$1,875,000 | — | — |
Balance funds after purchase
Cash Left
S$363,908
of S$736,508 cash
CPF OA Left
S$0
of S$400,000 CPF OA
Capital Balance
S$363,908
cash + CPF OA after buying
Free · takes 20 seconds
Unlock your full comfortability report
- Your comfort rating
- How long your cash and CPF can carry the mortgage if your income stops
- Your monthly mortgage split between CPF and cash
- The highest price you can afford
We receive your contact details and a summary of your results, and prepare a PDF copy of your report.
Estimates for planning only, not financial advice. Uses MAS's 4% TDSR stress-test rate and 55% limit, current IRAS stamp duty rates and approximate CPF allocation rates. Confirm loan figures with your bank and CPF usage with CPF Board.