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Cash & CPF Needed Calculator

See how much cash and CPF OA you'll need at completion, including stamp duty

✓ Max loan

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✓ Monthly repayment

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3 Cash & CPF

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Report

1 Property price & valuation

Purchase price

Bank valuation

Bank valuation is the same as purchase price

Untick this if your bank's valuation is different from the purchase price. If the price you're paying is higher than the valuation, the difference must be paid in cash — banks and CPF usage are both capped at the lower of the two.

Property type & status

Determines whether BSD/ABSD can be paid straight from CPF OA. For HDB flats (BTO or resale) and private property under construction, CPF OA can be used to pay the stamp duty first — no cash outlay needed. For a completed private property, stamp duty must be paid in cash within 14 days and only reimbursed from CPF OA afterwards.

No property agent fee applicable

2 Loan settings

Target age to be mortgage-free

Number of outstanding housing loans

If you are selling your current property with an outstanding home loan before or concurrently with this purchase, select no outstanding loans.

Loan amount

Defaults to your maximum eligible loan (LTV × the lower of price/valuation). Adjust down if you're taking a smaller loan.

3 Buyer profile — for stamp duty

Nationality / residency status

If joint applicants have different residency statuses, select the one with the higher ABSD rate — IRAS applies the highest applicable rate to the full purchase price.

Number of residential properties you currently own

Selling an existing property? ABSD is still payable upfront at the higher rate based on what you currently own — it isn't waived at purchase. Select the number you currently own (not what you'll end up with); Singapore Citizens may qualify for a refund if the existing property is sold within 6 months — see below.

4 Your funds set aside

Cash reserve for this purchase

CPF OA balance for this purchase

CPF OA here means your existing OA balance set aside for this purchase — a lump sum, not your monthly CPF contribution.

Your cash & CPF requirement

Funding breakdown

Component	Amount

How the purchase is funded

1. Total out-of-pocket cost needed

Cash needed now

CPF-eligible (or cash)

Total out-of-pocket needed

On top of your bank loan of

2. Your resources set aside

Cash reserve

CPF OA reserve

3. Cash shortfall

Buyer's Stamp Duty — bracket breakdown

Portion of value	Rate	Duty

Figures are indicative and exclude legal fees and other transaction costs (agent fee is included only if you entered one — it must be paid in cash; CPF cannot be used). CPF OA is applied first to the CPF-or-cash-eligible portion of your funding need — this is a planning assumption to answer "do I have enough," not a mandated order; you may prefer to preserve CPF (which earns interest) and use more cash instead. BSD/ABSD must typically be paid within 14 days of the Option to Purchase (resale) or legal completion (new launch). For HDB flats and private property under construction, CPF OA can be used to pay the stamp duty first, so it is not a cash outlay; for a completed private property it is paid in cash first and only reimbursed from CPF OA afterwards. If buyers have different residency profiles, IRAS applies the highest ABSD rate to the full price. Any projected ABSD refund is not available upfront — it is only paid out after your existing property sale completes, within the 6-month window. Verify final figures with IRAS's stamp duty calculator and your conveyancing lawyer before transacting.

View consolidated report — all three steps in one page