Free HDB upgrade calculator

Find out exactly what
you'll walk away with.

CPF accrued interest. ABSD exposure. TDSR ceiling. The three numbers that shape every HDB upgrade — worked out together, in about 2 minutes.

Calculate My Numbers Read the upgrade guide
Upgrade Readiness Report Sample
4-room HDB, Tampines → Jurong OCR condo
Net cash after HDB sale
S$233,200
After CPF accrued interest & all fees
CPF OA returned
S$345,000
Available for new condo downpayment
ABSD exposure
S$0
If HDB sold within 6 months of condo OTP
Max condo budget (TDSR)
S$1.38M
Based on combined household income
Ready to proceed with upgrade
Calculate My Numbers →
Why upgraders get stuck

Three questions every HDB upgrader gets wrong.

01
"How much of my HDB profit is actually mine after CPF takes its cut?"
Most sellers don't account for CPF accrued interest compounding at 2.5% annually. A flat that "made $200K" can yield as little as $50K in free cash.
02
"Do I owe ABSD — and how much could it cost me if I get the timing wrong?"
Singapore citizens buying a second property pay 20% ABSD. Miss the 6-month sell-down window and you forfeit the remission — that's $120,000–$300,000 gone.
03
"What condo can I genuinely afford under TDSR — not just what the bank says?"
The 55% TDSR cap applies, but if your HDB loan isn't discharged first, your LTV drops to 45% — dramatically changing what you can actually buy.
The calculator answers all three Free. No sign-up required.
How the calculator works

Your upgrade picture in three steps

No financial jargon. No spreadsheets. Just the numbers that matter — and what they mean for your situation.

1
Enter your HDB details
Your current flat's purchase price, CPF used, outstanding loan balance, and estimated sale value today.
Purchase price CPF used Outstanding loan Est. value today
2
Add your condo target
The condo price range you're aiming for, your combined household income, and whether you plan to sell first or buy first.
Target condo price Household income Upgrade sequence
3
Get your full upgrade picture
A complete readiness report — net cash, CPF position, ABSD status, condo affordability ceiling, and your next best step.
Net cash after HDB sale
CPF OA position
ABSD exposure
Max condo budget
Upgrade readiness score
Start the Calculator — It's Free
Learn everything you need to know

The complete HDB upgrade resource

From MOP rules to picking the right district — every decision in your upgrade, explained clearly.

The Complete Upgrade Guide
Everything from MOP rules and upgrade timelines to the 12-point checklist before you commit. Start here if you're at the beginning.
HDB MOP explained: when can you upgrade? Step-by-step upgrade timeline Is 2026 the right year to upgrade?
Explore the guide
Costs & Taxes
The real financial picture — CPF accrued interest, ABSD timing, TDSR limits, and a full itemised cost breakdown. Know the numbers before you commit.
ABSD for HDB sellers: the full breakdown How much CPF do you actually get back? TDSR: how much condo can you afford?
Explore costs & taxes
Upgrade Strategies
Sell first or buy first? What about decoupling? The sequencing decision determines your ABSD risk, cash flow, and whether you qualify for the condo you want.
Can I buy a condo before selling my HDB? Sell first vs. buy first: which is safer? HDB decoupling in 2026: what changed?
Explore strategies
Choosing the Right Condo
OCR vs. RCR, new launch vs. resale, EC vs. private — the four key choices every HDB upgrader faces when it's time to pick a property.
New launch vs. resale condo for upgraders Best districts for HDB upgraders (2026) OCR, RCR or CCR — which region?
Explore property selection

Your upgrade numbers are
2 minutes away.

Enter your HDB details and get a complete readiness picture — net cash, ABSD status, and condo affordability — before you speak to a single agent.

Calculate My Numbers → Speak to an agent instead

Free calculator · No sign-up · Singapore-specific calculations