Plan an HDB-to-private-home upgrade in Singapore

This free planning tool connects selling your HDB, buying a completed private condo or apartment, and the effect on your monthly household budget. Work through the questions with your own estimates. Cash and CPF stay separate throughout.

What can you explore?

• Sale proceeds after your outstanding housing loan, required CPF refund and selling costs.
• The next home’s upfront funding, using your entered loan, usable CPF, available cash, costs and chosen cash reserve.
• Monthly mortgage payments, planned CPF use, household spending and savings.
• A monthly cash-flow comparison between staying in your current home and moving.

What should you prepare?

Have an estimated HDB selling price, outstanding loan, required CPF refund and selling costs ready. For the purchase, prepare the target price, expected loan and usable CPF. Your take-home income, household spending and current mortgage help with the monthly comparison.

What does the tool leave out?

The supported journey is a limited sell-first scenario for a completed private home. It does not determine loan approval, purchase eligibility or your CPF refund obligation. It does not model bridging finance, a full payment timeline or long-term household wealth. Estimates are educational and depend on your inputs and the assumptions shown with each result.

Read the checklist before upgrading and how CPF fits into your home decision. Buying your first home instead? Start the first-home journey.