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Calculators / Asset Elevation Model

Asset Elevation Model

See where you stand today, and what your net worth could look like 5 years after upgrading — loan eligibility, CPF flows, property appreciation and mortgage paydown, all in one place. Figures update as you type.

Section 1

Current Loan Eligibility

Based on income, age and today's rates — what you could borrow right now.

Loan tenure is capped at 30 years or up to age 65 (whichever is lower), consistent with the 75% loan assumption used throughout this calculator
Adjust assumptions (optional)
Combined Salary$0
Max Loan Period (Years)0
Estimated Loan (TDSR 55%)$0
Monthly Mortgage (on max loan)$0
Max Property Price$0
Section 2

Selling Proceeds (Current Flat)

What you'd walk away with from selling your current property.

Adjust selling costs (optional)
Agent Service Fees (2% + GST)$0
Total Deductions$0
Estimated Proceeds (Cash)$0
Estimated Total Proceeds (Cash + CPF)$0
Section 3

Today's Net Worth

Your combined CPF and cash position right now, if you sold today.

Adjust assumptions (optional)
Total CPF Available for Purchase$0
Cash On Hand (from sale + own funds)$0
Total Current Net Worth$0
Section 4

Purchase Details (New Flat)

Funds flow CPF first, then cash covers any shortfall — same as how HDB/banks actually draw down your funds.

Adjust buying costs (optional)
Cash (5%)$0
Cash or CPF (20%)$0
Downpayment (25%)$0
Loan (75%)$0
Stamp Duty (BSD)$0
Total Initial Outlay$0
Balance CPF (after purchase)$0
Balance Cash (after purchase)$0
Monthly Mortgage (on this purchase)$0
Monthly Cash Top-Up$0
Safety Net — if employed (months)0
Safety Net — if unemployed (months)0
Section 5

Projected Resale Proceeds

Where the new flat could be worth after a few years of appreciation and mortgage paydown.

Adjust selling costs (optional)
Projected Sales Price$0
Outstanding Bank Loan (after N years)$0
Refund of CPF Used$0
Refund of CPF Accrued Interest$0
Agent Service Fees (2% + GST)$0
Estimated Proceeds (Cash)$0
Estimated Total Proceeds (Cash + CPF)$0
Section 6

Future Net Worth

Section 5's resale proceeds, plus the CPF/cash left over from Section 4 — the same combination Section 3 did for today.

Total CPF Available (future)$0
Cash On Hand (future)$0
Total Future Net Worth$0
Only affects the "Current Flat (Stay)" comparison below — not the Total Future Net Worth above.

Current Flat vs New Flat — 5-Year Net Worth

Comparing your current flat (Section 2) left as-is, against the new flat you're evaluating in Section 4.

Today — Current Flat$0
In 5 Years — Current Flat (Stay)$0
In 5 Years — New Flat (Upgrade)$0
Future Purchase Price (next upgrade)$0

If You Stay: your current flat keeps appreciating at the rate you set just above (Section 6) — usually lower than a newer property, especially with HDB lease decay. Your CPF (both the refund locked in this flat and your other CPF-OA savings) keeps earning 2.6% p.a. CPF interest. Your outstanding loan balance and cash savings are held unchanged — a conservative simplification, since a real mortgage would pay down further and most people add some savings over time.
If You Upgrade: uses your Section 4 purchase, resold at Section 5's projected price after the same number of years.

For planning purposes only — not a loan offer or official quotation. Assumes CPF is used first, then cash, and does not automatically check the 75% LTV cap against your income eligibility (Section 1) — compare Section 4's purchase price against Section 1's Max Property Price yourself. Confirm all figures with HDB, CPF Board and your bank before making decisions.

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