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Sellers plan

How much will I walk away with, and what can I buy next?

Enter the price you expect to sell at, your outstanding loan and the CPF you used for the home. The plan works out the cash and CPF you will have after the sale, how much you may be able to borrow, and the upfront cash and CPF your next home needs.

Your numbers stay in this browser. The plan is worked out on your device. It does not save your numbers or send them anywhere. They are only sent if you tick "Send my numbers" in the form at the end of this page and submit it.

Your sale

Start with the price you expect, then what comes off it.

The sale

CPF to refund

Applicant 1

Applicant 2

You and your loan

Income, age and existing loans decide how much you may borrow.

Buying with someone elseAdds a second person to the loan.

Applicant 1

Use your own adjusted income

Applicant 2

Use your own adjusted income

Your next home

The price you have in mind, and the rates the plan uses.

Rates usedLoan limit, stress test, stamp duty and interestChange
Your planWorked example
After the sale you will have$889,000

Cash proceeds, cash savings and CPF, together

Cash from the sale$307,000
Loan limit together$2,428,816before existing loans
Upfront cash and CPF needed$603,100
Loan shortfall$26,665

$285,900 left after the upfront payments

Worth checking
  • The agent fee is $0. Add it if you will pay one.
  • Accrued CPF interest for Applicant 1 is $0. Check it against your CPF statement.

Your sale

What you walk away with

Expected selling price
$850,000
Outstanding loan repaid
− $183,000
CPF refund, Applicant 1Goes back to CPF
− $358,000
CPF refund, Applicant 2Goes back to CPF
− $0
Fees, stamp duty and penalties
− $2,000
Cash proceeds
$307,000
CPF available after the refund
$382,000
Cash savings
$200,000

How much you may borrow

Loan limit and tenure

4% stress test
PersonMonthly repayment roomTenureLoan limit
Applicant 1Age 44, adjusted income $16,530 $7,092of $9,092 limit 21 years $1,207,724$1,548,335 before existing loans
Applicant 2Age 42, adjusted income $9,400 $5,170of $5,170 limit 23 years $931,951$931,951 before existing loans
Average age, weighted by income
44
Loan tenure together
21 years
Loan limit together, after existing loansTakes off Applicant 1's existing loans only
$2,088,205
Loan limit together, before existing loans
$2,428,816
Loan limit used for the next homeApplicant 1's limit before existing loans
$1,548,335

Your next home

Buying at $2,100,000

75% loan
Monthly instalment at 1.5%$7,290
If the rate rises to 2.5%$8,040
1% option feeFrom cash savings
$21,000
4% exercise feeCash or CPF OA
$84,000
Legal fee
$3,500
Buyer's stamp duty
$74,600
Additional buyer's stamp duty
$0
Remaining 20% downpayment
$420,000
Upfront cash and CPF needed
$603,100
75% loan
$1,575,000
Loan shortfallThe 75% loan minus the loan limit used
$26,665
Extra monthly repayment room neededAt the stress-test rate
$157
Cash to pledge to cover the shortfall
$13,664
Or cash to show, without pledging
$45,548
Other pricesCompare 26 purchase pricesView
PriceUpfrontShortfallMonthly at 2.5%
$700,000 $193,600 $0 $2,680
$800,000 $221,600 $0 $3,063
$900,000 $249,600 $0 $3,446
$1,000,000 $277,600 $0 $3,829
$1,100,000 $306,600 $0 $4,211
$1,200,000 $335,600 $0 $4,594
$1,300,000 $364,600 $0 $4,977
$1,400,000 $393,600 $0 $5,360
$1,500,000 $422,600 $0 $5,743
$1,600,000 $452,600 $0 $6,126
$1,700,000 $482,600 $0 $6,508
$1,800,000 $512,600 $0 $6,891
$1,900,000 $542,600 $0 $7,274
$2,000,000 $572,600 $0 $7,657
$2,100,000 $603,100 $26,665 $8,040
$2,200,000 $633,100 $101,665 $8,423
$2,300,000 $663,100 $176,665 $8,806
$2,400,000 $693,100 $251,665 $9,188
$2,500,000 $723,100 $326,665 $9,571
$3,000,000 $873,600 $701,665 $11,486
$3,500,000 $1,028,600 $1,076,665 $13,400
$4,000,000 $1,184,100 $1,451,665 $15,314
$4,500,000 $1,339,100 $1,826,665 $17,228
$5,000,000 $1,494,600 $2,201,665 $19,143
$5,500,000 $1,649,600 $2,576,665 $21,057
$6,000,000 $1,804,600 $2,951,665 $22,971

This is a planning aid, not advice. It assumes a 75% bank loan, a loan tenure that ends by age 65 and is no longer than 30 years, and ages worked out for 2026. Check your CPF refund statement, your bank's loan assessment, stamp duties, legal fees and the rules that apply to you before you commit.

Private consultation

Talk to a PLB consultant

Questions about your own home, sale or purchase? A PLB consultant can go through the numbers with you.

What would you like help with?

Plan the price, positioning, marketing and what comes after the sale.

Set the comfortable budget, compare options and prepare to negotiate.

Test the asset, entry, yield, ownership structure and future exit.

Work through an upgrade, restructuring or longer-term property roadmap.

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