Get a Second Opinion
The HeroHomes holding power assessment

Find your real budget. Before a showflat sets it for you.

Most upgraders ask what they can afford. The better question is your runway: how many months of mortgage your reserves could carry after the purchase. Two steps, and you get three budgets and where the safe balance sits.

3 minutesNo login, no email, no callRuns on your CPF numbers, not a lender's
What you getSample: couple aged 39 and 37 on S$22,000 a month, selling a 5-room flat
Comfort Zone
Up to S$1.95m
54 monthsrunway
Holding Power Zone
S$2.1m to S$2.2m
29 monthsrunway at S$2.1m
Hype Zone
S$2.3m
5 monthsrunway
The Hype Zone is the budget a showflat will normalise for you. S$6,601 a month at today's rate looks fine until nothing sits behind it.
Featured in
Berita HarianAsiaOneSeedlyCNA

What are you upgrading to?

Bank loan, up to 75% of the price. Budget set by the normal TDSR test (55% of income at the 4% floor rate) over a tenure based on your income-weighted average age, up to 30 years. Mortgage and runway at today's rate, 1.65%.

1 The buyers.

Buyer 1
S$
Before CPF. Include fixed allowances.
S$
Buying jointly? Add their age, income and CPF OA.
Buyer 2
S$
Before CPF. Include fixed allowances.
S$
S$
CPF app, Home ownership: principal withdrawn plus accrued interest. This goes back into your OA when you sell.
A rough figure is fine for a first pass. The exact number gets checked before anything is signed.

Stuck on this number? Most people are. WhatsApp me a screenshot of your CPF Home ownership page and I'll read it off for you. Takes two minutes.

Send the screenshot

2 Your current home.

S$
Use a realistic figure, not the highest asking price in the block.
S$
Leave blank if fully paid.

Estimates for planning only. Nothing is stored or sent until you choose to share it.

Comfort ZoneHolding Power ZoneHype Zone

What this doesn't show you

  • Runway counts the mortgage only, at today's rate, against the cash and CPF OA you have left after buying. Rent while you wait for keys, renovation, household costs and a rate rise all shorten it. That's worked out with you, not in a form.
  • Assumes you move in on handover with no renovation spend.

Who buys this from you in five years?

Exit matters more than entry. The calculator cannot answer these three, and they decide whether the price holds.

  • Your next buyer not known yet
  • Their budget cap at this price, five years on not known yet
  • What else they could buy that year not known yet
Work out my exit with Heikal
“
A civil-servant couple on just under S$13,000 a month was told to "just sign" for a new EC that would have left them a S$0 cash buffer. They walked away with about S$194,000 in cash and their CPF intact. Read their story
Heikal ShafrudinSenior Associate District Director, PropNex Realty. CEA Reg No. R016820G
  • No fee for the second opinion.
  • If the numbers say wait, I'll say wait.

Pick a 20-minute call this week.
Tap a slot and it goes into the WhatsApp message with your result. Or just message, below.
Send my result to Heikal
Not ready to talk? Keep the result.
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Your three zones land in your own chat, no call needed. No follow-up unless you ask.
Already know your zone works? Ask for a shortlist within it

Estimates for planning only, based on the figures you entered. Not financial advice and not a loan approval. No forecast of prices or market direction is made. Heikal Shafrudin, CEA Reg No. R016820G, PropNex Realty Pte Ltd, Licence No. L3008022J.