First-time buyer
Compare BTO and resale HDB affordability, likely grants, cash needed, and the time it takes to build your upfront buffer.
Start this plan arrow_forwardProperty planning Singapore
Can you afford that dream home?
See the real monthly cost in two minutes. Our model includes CPF Ordinary Account savings, grants, stamp duty, legal fees, renovation buffer, and changing mortgage rates.
BTO and resale HDB
Private property
3% and 4% stress tests
Affordability check
Start with your numbers
Your starting point
A clearer answer than a loan estimate
A bank calculator can show borrowing capacity. Gan Finance AI shows what remains after the purchase enters your monthly life. See the trade-offs before you book a viewing.
Calculate your home affordability arrow_forwardEstimated maximum loan
$465,000
Based on a 25-year tenure and current assumptions.
Monthly mortgage
$2,350
Your estimated cash and CPF commitment.
Comfort score
Room for real life
The result includes a renovation reserve and a 4% rate scenario.
Choose a path
Your home-buying plan, made practical
The right model depends on where you are starting. Pick one and see the figures that matter first.
Upgrader
Model the sale of your existing flat beside the next mortgage, taxes, moving costs, and a safer cash-flow buffer.
Start this plan arrow_forwardPrivate property owner
Test rental assumptions, loan tenure, cash yield, and the monthly cost of holding a private property through rate changes.
Start this plan arrow_forwardMortgage analysis
Mortgage or CPF? Test the mix.
Using more CPF can reduce today’s instalment. Keeping some CPF OA may give your retirement plan more breathing room. Move the controls and see both sides of the choice.
Illustrative monthly payment
$2,350
Loan repayment68%
CPF contribution22%
Cash buffer retained10%
Remember accrued interest. CPF used for housing is returned with accrued interest when the property is sold. The model includes that effect in projected sale proceeds.
Savings timeline
A roadmap to your keys
Set a target date. The plan works backwards from the cash and CPF milestones you need.
savings
Month 01
Set target price
payments
Month 08
Hit 5% cash buffer
fact_check
Month 14
Apply for HLE
home
Month 24
Option fee ready
Suggested monthly saving: $1,680
Build my savings plan arrow_forwardReal planning examples
From "maybe" to move-in ready
First home planning
Two incomes, one BTO plan
A young couple had $18,000 in cash and a combined CPF OA balance of $72,000. The model set a $40,000 cash target over 24 months, while allowing room for wedding costs and a six-month reserve.
Cash target
$40k
Timeframe
2 years
HDB affordability
An upgrade with breathing room
A family modelled the sale of a four-room HDB beside a larger home purchase. After accrued CPF interest, stamp duty, moving costs, and a 4% rate test, the plan kept their monthly surplus above $2,000.
Monthly surplus
$2,040
Rate tested
4%
Refinancing check
Is it time to refinance?
Compare your current mortgage with current bank rates. See estimated savings, break-even timing, and the cost of leaving a lock-in period.
Stop renting spreadsheets. Start planning your home.
Get a property plan built around your CPF, cash flow, loan choices, and target date. The numbers become easier to act on.
"I was anxious about the whole process. The AI made each decision feel manageable."
Geokbeng Paulyn
Calculate your home affordability arrow_forward