Sale & Purchase Planner
Selling one home and buying another? Enter both prices, your loan and CPF figures, and the key dates — the planner lays out a timeline of exactly when money moves, and whether it’s cash or CPF, so you can see any gap before it bites.
Selling HDB → Buying Private resale
Your sale
Your purchase
Buyer’s stamp duty profile (ABSD)
After you buy — will your reserves hold?
See how many months your cash would last if your income stopped, and how much you’d rebuild over four years.
Open the Safety Net Calculator →Estimates for planning only — not financial, tax or legal advice, and not an offer. Timings follow typical Singapore conveyancing practice and current IRAS / CPF rules; actual dates vary. Verify with your banker, lawyer and the relevant agencies before relying on these figures.
How the planner works
A concurrent sale and purchase is really two timelines that have to be paid for out of one set of pockets. This planner hangs every money event off the dates you enter — option and exercise, stamp duty, completion — and tags each as cash or CPF, in or out. The point is to surface the moments where cash is needed before it arrives: stamp duty paid upfront, a purchase that completes before the sale’s CPF has cycled back, or ABSD paid while you wait on the refund.
Ground the buy side with the Affordability Assessment and the sell side with the Sale Proceeds tool.
Frequently asked questions
- Should I sell first or buy first when upgrading?
- It is a cash-flow and ABSD question, not just preference. Buy first and you momentarily own two properties, so ABSD is payable upfront on the new purchase (refundable for an eligible married couple only if the first is sold within 6 months and a remission application is made to IRAS). Sell first and you avoid that outlay but may need interim housing. This planner lays both tracks on one timeline so the squeeze points — and any cash bridge — are visible before you commit.
- When do my sale proceeds actually arrive?
- Cash proceeds typically return within about a week of completion. CPF monies (your refunded principal plus accrued interest) take roughly two weeks to land back in your CPF Ordinary Account, and about a further week before they can be applied to the next purchase — so sale CPF is usable around three weeks after the sale completes. If your purchase completes earlier than that, the CPF portion of your downpayment may need a temporary cash bridge.
- Why does the planner make me pay private stamp duty in cash first?
- For a private resale, Buyer’s Stamp Duty is paid in cash within 14 days of exercising the option, even if you intend to use CPF. About a week after completion you receive a cashier’s order refunding that cash while your CPF OA is debited for the same amount — so the duty ends up funded by CPF, but your cash is tied up in between. For an HDB resale, CPF can pay the stamp duty straight away, with no cash bridge.
- How does ABSD remission work for a married couple?
- If you still own your first property when you buy the second, ABSD is payable upfront on the second. A married couple with at least one Singapore Citizen, buying in both names, can have that ABSD refunded — provided the first property is sold within 6 months of the second purchase (measured by the purchase-contract dates: when each option is exercised or the sale & purchase agreement is signed, not when the option is granted) and the other conditions are met. How you get the money back depends on one box at stamping. If you declared your intention to sell the first property and claimed the refund in the e-Stamping form for the purchase, IRAS refunds it automatically — typically within about six weeks of the sale being stamped, with nothing further to submit. If you did not, the refund must be applied for, and the application has its own deadline: 6 months after the date of sale of the first property. Miss the sale window or the application window and the refund is forfeited — no extensions.
- Does this tool tell me what I can afford?
- No — it is purely a timing and cash-flow planner. For affordability (TDSR, MSR, LTV) use the Affordability Assessment, and for the detailed sale side use the Sale Proceeds tool.
Want a second pair of eyes on these numbers?
Estimates are a starting point. Send us your numbers and we’ll sanity-check them before you commit.
WhatsApp us your numbersIndicative timings on your inputs — not advice, not an offer. Conveyancing schedules and IRAS/CPF rules change and vary by transaction; verify before relying on them.
Disclaimer
The tools on this page provide estimates for general reference only and do not constitute financial, legal, tax, or investment advice. Calculations are based on prevailing MAS, IRAS, HDB, and CPF rules and rates at the time of publication, which may change without notice. Actual figures — including loan eligibility, interest rates, stamp duties, and CPF usage — depend on your specific circumstances and the final assessment of banks, IRAS, and other relevant authorities. TRIBE makes no warranty as to the accuracy or completeness of any output and accepts no liability for decisions made in reliance on these tools. Please verify all figures with the relevant institutions or a qualified professional before committing to any transaction.