HDB to condo — does the math check out?

Everyone's upgrading. But between CPF refunds, ABSD, and the cash gap — can you actually pull it off? Let's find out.

Calculator

Map out your upgrade

Your HDB details + your income = your condo reality check.

Estimated HDB Selling Price ($) Check your HDB value here

Outstanding HDB/Bank Loan ($)

Total CPF Used for HDB ($) Check CPF website for exact amount (principal + accrued interest)

Selling Costs ($) Typically ~$10K-20K (agent 2% + legal + misc)

Combined Monthly Gross Income ($)

Your Age

Additional Cash Savings ($)

Other Monthly Debts ($)

Selling HDB before or after buying condo?

Condo Loan Tenure (years)

An experienced upgrader agent can help you time your sale, find the right condo, and navigate ABSD — all at no cost to you.