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HDB Upgrade Affordability Calculator

What your household can realistically support after selling your flat — loan, cash, CPF and monthly commitment together, rather than one at a time.

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HDB upgrade affordability — coming to this page

This tool is being connected. In the meantime, the fastest way to get the same answer for your actual situation is to send me your numbers — I run them properly and send back the workings, not just a total.

Send me your numbers Ask for a written breakdown

What the result means

Affordability is not one number. It is the lowest of three ceilings: what a bank will lend you, what you can put down in cash and CPF, and what you can comfortably service every month.

The point of running it is to find which of the three binds first, because that is the one worth working on.

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