How much could right-sizing free up?

Sell the current home, buy a smaller one, and see what is left — in cash and in CPF — after the loan, the CPF refund, stamp duty and fees. Plus how much your monthly running costs would fall.

Your numbers

Tell us about both homes

The home you’re selling

What are you selling?

Selling price you expect

Not sure? Use a recent sale in your block or development, or a rough figure. We can check the real number for you afterwards.Housing loan still owed

From your bank or HDB statement. Leave blank if fully paid.Did you use CPF for this home?

Most owners used CPF for the downpayment or instalments. It goes back to your CPF when you sell, so it changes the cash figure a lot.

Month you bought itYear you bought itOnly matters if you bought recently — selling within a few years can mean seller’s stamp duty.

Fees — our current rate and a typical lawyer’s fee (change if yours differ)

Agent fee

% of price

Our current rate; GST is added on top.Lawyer’s fees

Varies by firm.

Are you, or the older owner, 55 or older?

From 55, part of the CPF refund on a sale may go to your Retirement Account first.

The home you’re moving to

Price of the next home

A rough figure is fine — we can help you find real options later.Lawyer’s fees for the purchase (typical figure — change if you know yours)

Varies by firm; HDB resale conveyancing is often less.

Current fees per month (optional)

S&CC or maintenance and sinking fund.Fees at the next home (optional)

Enter both prices and answer the CPF question to continue.