Can you actually afford
to upgrade to a condo?
Built this for my sister when she couldn't decide whether to stay in her HDB or upgrade. Then I went deep — HDB equity, CPF clawback, borrowing power, stamp duty, monthly payment. All connected.
$580,000
HDB median
Jan 2026
1.9%
Mortgage rate
SORA
0%
ABSD
SC 1st home
Live from data.gov.sg + MAS
2,800 transactionsThe 5-Step Pipeline Calculator
Everything connected in one flow — from HDB sale proceeds to your first condo payment.
No login. No agents. No ads. Just math.
Or pick a scenario close to yours:
“My sister couldn't decide whether to stay in her HDB or upgrade. So I built her a spreadsheet. Then I kept going. The math isn't hard — it's just scattered across 10 different sites.”
— Mei
Built this for her sister, sharing it with you
Quick calculators
All tools →If you're still thinking it through
Read these before you run the numbers
Should You Upgrade?
The framework for the decision — not the math, the thinking.
How Much Cash?
Down payment, stamp duty, legal, reno — the full picture.
ABSD Guide
All rates, married couple remission, and how upgraders avoid it.
TDSR Explained
55% debt cap, max loan by income, and what kills your limit.
Quick answers
Common questions, instant numbers
Latest property data
Numbers that just dropped
Weekly property data drops
Numbers you won't find on PropertyGuru
The numbers that matter, once a week.
HDB resale medians, mortgage rate shifts, new launch pricing — the data points that change your upgrade math. One email, no fluff.
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