The arithmetic that decides whether a move is possible
Stamp duty, affordability, net sale proceeds, commission, an online valuation and an MOP tracker, free and without an account. Two more for agents: a CEA advertising checker, and a letter of intent generator that needs a claimed profile.
What it is
A set of tools for the arithmetic that decides whether a move is possible: buyer's and seller's stamp duty including ABSD, what you can borrow under the current lending rules, what you actually walk away with after commission, duty, the loan and your CPF refund, and what your home is worth from recent transactions.
For agents there are two more: a checker that tests an advertisement against CEA's advertising requirements before it goes out, and the letter of intent generator, which needs a claimed profile because the letter goes out over your name and CEA registration.
Why we built it
The question that actually stops people is not which agent to use, it is whether the move works at all. Sellers kept asking us the same thing in different words: after the loan, the CPF refund and the commission, what do I actually walk away with, and is it enough for the next place.
Duty rates and lending limits in Singapore move, sometimes more than once a year. We show the rates each answer used so you can check the working rather than trust the number, which matters most when the answer is close to the line.
They are free and they do not ask for your details. A calculator that requires your phone number is a lead form wearing a costume. The one thing that is saved is a valuation you choose to keep, which becomes a private link only you have.
Who it helps
Buyers working out what they can afford
The real ceiling under the current lending limits, including the stress rate, not a rough multiple of income.
Sellers working out what they clear
Cash in hand after commission, duty, the outstanding loan and the CPF refund, which is the number that decides whether the move works.
Agents
An advertisement check before publishing, and the paperwork tools.
The use case
Working out whether upgrading is possible at all
You are in a four-room flat and wondering about a condo. Before speaking to anyone, you check what your flat is likely worth, what you would clear after the loan and the CPF refund, what stamp duty the next place attracts, and what you could borrow. Twenty minutes later you know whether the conversation is worth having, and no one has called you.
Walkthrough
- 01
Take the net proceeds calculator as the example
It answers the question most sellers actually have: what is left.
- 02
Tell it what you are selling for
The expected sale price, and the property type.
- 03
Tell it what comes off
Outstanding loan, the CPF you used plus the accrued interest you have to refund, the agent commission you agreed, and legal fees.
- 04
Read the cash in hand
Each deduction is itemised, with the CPF refund separated out, because that is the number people forget and the one that decides whether the next purchase is possible.
- 05
Check the working
Every rate and rule used is shown. Nothing is stored, and no calculator asks who you are.
What it does not do
- They are estimates for planning. Confirm duty with IRAS and your loan with your bank before you commit.
- The valuation is an estimate from recent transactions in your area, not a formal valuation, and it cannot see your renovation or your view.
- Rules change. We keep these current and stamp what we used, but check anything close to the line.
- The calculators store nothing to give you an answer. If you ask the valuation or the MOP tracker to tell you when your number moves, we keep the address you gave us for that, and only for that.
Free, no account, nothing stored.
Open the toolsMore of what we are building
Paperwork: the letter of intent, and the tenancy agreement that fills itself
Draw up a rental letter of intent on your own letterhead in about two minutes, then start the tenancy agreement from it with the deal already carried across.
Plans you can start and stop yourself, that never touch your ranking
Three paid tiers that add tools and depth, self-serve from the dashboard, with a billing portal you control. None of them move you up the rankings.
My Home: save your home once, and watch what it is worth
Keep your valuation behind a private link, see how the estimate has moved since you saved it, and get told when it changes materially.