Which BTO can we really afford?

Your CPF OA, cash and grants projected month by month to every payment. Everything stays in this browser — no NRIC, Singpass or bank login needed.

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Fill in from your documents

Read in this browser only — files are never uploaded. You check every figure before it's used.

CPF statement (PDF) HFE letter (PDF)

Household

First-time buyers purchasing a new 99-year BTO flat.

Applicants

Plan starts (today)

Both applicants are first-timersOwned or sold private property in the last 30 months

Applicant 1: Wei Ling

Age 28 today. Personal CPF and salary only — enter shared cash under Cash.

Name or nickname

Birth month

Citizenship

Employment

Gross monthly salary

Annual bonus

Bonus paid in

CPF Ordinary Account (OA) balance

OA balance as of

Existing monthly OA deductions

Expected salary growth

%/yr

HFE-assessed monthly income

Career breaks

Applicant 2: Arjun

Age 29 today. Personal CPF and salary only — enter shared cash under Cash.

Name or nickname

Birth month

Citizenship

Employment

Gross monthly salary

Annual bonus

Bonus paid in

CPF Ordinary Account (OA) balance

OA balance as of

Existing monthly OA deductions

Expected salary growth

%/yr

HFE-assessed monthly income

Career breaks

Fill in from your documents

Read in this browser only — files are never uploaded. You check every figure before it's used.

CPF statement (PDF) HFE letter (PDF)

Household

First-time buyers purchasing a new 99-year BTO flat.

Applicants

Plan starts (today)

Both applicants are first-timersOwned or sold private property in the last 30 months

Applicant 1: Wei Ling

Age 28 today. Personal CPF and salary only — enter shared cash under Cash.

Name or nickname

Birth month

Citizenship

Employment

Gross monthly salary

Annual bonus

Bonus paid in

CPF Ordinary Account (OA) balance

OA balance as of

Existing monthly OA deductions

Expected salary growth

%/yr

HFE-assessed monthly income

Career breaks

Applicant 2: Arjun

Age 29 today. Personal CPF and salary only — enter shared cash under Cash.

Name or nickname

Birth month

Citizenship

Employment

Gross monthly salary

Annual bonus

Bonus paid in

CPF Ordinary Account (OA) balance

OA balance as of

Existing monthly OA deductions

Expected salary growth

%/yr

HFE-assessed monthly income

Career breaks

Cash

Household cash, counted once for both applicants.

Current cash savings for the home

Emergency cash reserve to protect

How should we project monthly cash?

Monthly savings available for the home

This figure is already after debt repayments

Existing monthly debt repayments

Interest on cash savings

%/yr

Cash gifts expected

Month

Amount

Other major planned expenses

Month

Amount

Project and flat

Pick a project, or edit the figures below for a custom one.

Project

Flat type

Flat price (before grants)

Booking

Agreement for Lease

Key collection (planning month)

Price is fixed (selected flat)

Market reference for TENGAH

Resale 4-room prices in TENGAH (last 12 months)

data.gov.sg

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Rent for a whole 4-room flat in TENGAH

data.gov.sg

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HDB estate profile: TENGAH

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Loan, grants and budgets

Housing grant

Approved HFE loan amount

Loan tenure

years

OA to keep after purchase (total)

We qualify for Staggered Downpayment

Renovation

Furniture

Appliances

Moving

Interim rent (delay scenarios)

After moving in

Editable estimates of recurring costs, paid in cash.

Service & conservancy charges

S$/mth

Utilities

S$/mth

Property tax

S$/yr

Home insurance

S$/yr

Maintenance

S$/mth

Monthly surplus we want to keep

S$/mth

Demo: Fernvale Rise (fictional) · 4-room · S$425,000

Feasible

All milestones are funded and your reserves and monthly surplus targets are kept.

Cash at keys

S$140,731

before key payments

OA at keys

S$122,764

both applicants

Max HDB loan

S$318,750

limited by LTV

Loan required

S$318,750

planned S$205,986

Monthly instalment

S$934

2.6% over 25 yrs

Cash top-up

S$0/mth

OA inflow covers it

Comfortable budget

S$980,161

price that keeps your surplus target

Extra savings needed

None

Preliminary eligibilityLooks fine

Passes the preliminary checks modelled here (citizenship, income, first-timer, ownership).

Funding every paymentLooks fine

Every payment milestone is funded on these assumptions.

Sustaining payments after moving inLooks fine

Monthly instalment S$934 vs OA inflow S$2,537.
Cash surplus after housing costs: S$2,892/month.

Planning estimates only. Eligibility, grants and financing remain subject to HDB, CPF Board and lender assessment.

Cash and CPF OA over time

Dashed lines mark payment milestones; red means a shortfall.

Payment milestones

Milestone	Due	Cash only	CPF-eligible	Grant	Cash / OA before	Paid: cash · OA · loan	Cash / OA after	Shortfall
Application and booking May 2027 Option fee (booking fee): S$2,000 (cash)	S$2,000	S$2,000	S$0	—	S$55,600 S$83,694	S$2,000 · S$0	S$53,600 S$83,694	Funded
Agreement for Lease Nov 2027 Downpayment 25% less booking fee: S$104,250 Buyer's Stamp Duty: S$7,350 Conveyancing fee (estimate): S$425	S$112,025	S$0	S$112,025	—	S$52,270 S$97,353	S$24,672 · S$87,353	S$27,598 S$10,000	Funded
Key collection Mar 2031 Balance of purchase price: S$318,750 Mortgage legal and registration fees (estimate): S$500 Home Protection Scheme premium (estimate): S$797 Fire insurance (estimate): S$10 (cash)	S$320,057	S$10	S$320,047	—	S$140,731 S$122,764	S$1,307 · S$112,764 · S$205,986	S$139,424 S$10,000	Funded
Renovation and move-in Apr 2031 Renovation: S$35,000 (cash) Furniture: S$12,000 (cash) Appliances: S$6,000 (cash) Moving: S$1,000 (cash)	S$54,000	S$54,000	S$0	—	S$142,317 S$12,537	S$54,000 · S$0	S$88,317 S$12,537	Funded
Ongoing mortgage monthly from May 2031	S$934	OA inflow S$2,537 · steady cash top-up S$0 · ownership costs S$292 · total interest S$74,363

Stress tests

Scenario	Outcome	Earliest gap	Extra/mth	Instalment	Surplus/mth
Base case Your inputs as entered.	Feasible	—	—	S$934	S$2,892
No salary growth All growth rates set to 0%.	Feasible	—	—	S$968	S$1,908
6-month career break First applicant earns nothing for 6 months starting 6 months from now.	Funding gap	Agreement for Lease · S$67	S$322	S$957	S$2,892
Keys 6 months earlier Key collection 6 months earlier; Agreement for Lease 3 months earlier where possible.	Tight	—	—	S$995	S$2,892
Completion delayed 12 months More time to save, but interim rent is paid each month before keys.	Funding gap	Agreement for Lease · S$80	S$536	S$805	S$3,157
Completion delayed 24 months Interim rent paid each month before keys.	Funding gap	Agreement for Lease · S$80	S$527	S$637	S$3,430
Grant halved Grant reduced by 50%.	Feasible	—	—	S$934	S$2,892
No grant Conservative: no housing grant.	Feasible	—	—	S$934	S$2,892
Price 10% higher Only applies before the price is fixed.	Feasible	—	—	S$1,079	S$2,892

Which BTO can we really afford?

Fill in from your documents

Household

Applicant 1: Wei Ling

Applicant 2: Arjun

Fill in from your documents

Household

Applicant 1: Wei Ling

Applicant 2: Arjun

Cash

Project and flat

Market reference for TENGAH

Resale 4-room prices in TENGAH (last 12 months)

Rent for a whole 4-room flat in TENGAH

HDB estate profile: TENGAH

Loan, grants and budgets

After moving in

Cash and CPF OA over time

Payment milestones

Stress tests

Sources and uses of funds

How this is calculated

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