NAVARO property decision system · Singapore
The number is only useful
when the decision is clear.
Forty interlinked property calculators for buyers, sellers, investors, consultants and professionals—one profile, one rules engine, every assumption visible.
40live calculators
7decision groups
10 Aug 2026rules reviewed
Binding gateCash + CPFfunds ceiling
Decision signalS$1.64Mnot just “eligible”
Rules engineVerifiedofficial-source basis
Start with your situation
A path, not a pile of calculators.
Each sequence carries the output that matters into the next decision. You can still open any tool directly.
The complete suite
Find the next decision.
Inherited methodology preserved. New safeguards are marked clearly. Every result recalculates as you type.
01LiveBuyMortgage runwayMonthly instalment, approval stress case and the lifetime interest path.Open calculator ↗02LiveBuyMaximum purchase priceSeparates the income ceiling from the cash-and-CPF ceiling and names the binding gate.Open calculator ↗03LiveBuyNew launch vs resaleCompares staged construction interest and rent while waiting with immediate resale ownership.Open calculator ↗04LiveBuyPrivate-home purchaseComplete upfront cost stack, financing split and monthly commitment.Open calculator ↗05LiveBuyHDB resale purchaseHDB or bank financing, grants, MSR and the net funds required.Open calculator ↗06LiveBuyBUC progressive paymentStage-by-stage own funds, loan draw and accurate construction-period interest.Open calculator ↗07LiveBuyNew EC purchaseProgressive funding, income-ceiling signal, MSR and post-TOP commitment.Open calculator ↗08LiveBuyLanded purchaseAcquisition stack with works allowance and landed-eligibility review flag.Open calculator ↗09LiveBuyCommercial purchaseNon-residential BSD, GST treatment and financing split without residential ABSD.Open calculator ↗10LiveSellSales proceeds waterfallLoan, fees, SSD and CPF accrued refund separated from the final cash result.Open calculator ↗11LiveSellSell an HDB flatHDB proceeds with CPF refund, MOP status and sale deductions.Open calculator ↗12LiveSellSell a condominiumPrivate resale waterfall, SSD regime and CPF restoration.Open calculator ↗13LiveSellSell a landed homeHigh-quantum proceeds waterfall with adjustable marketing fee.Open calculator ↗14LiveSellSell a commercial propertyCommercial exit proceeds with asset-specific SSD and explicit GST price treatment.Open calculator ↗15LiveSellSeller’s Stamp DutyCurrent four-year schedule or the earlier three-year schedule, selected explicitly.Open calculator ↗16LiveDutiesBuyer’s Stamp DutyResidential or non-residential progressive BSD from one band engine.Open calculator ↗17LiveDutiesAdditional Buyer’s Stamp DutyABSD by residency and existing Singapore residential-property count.Open calculator ↗18LiveDutiesRental stamp dutyLease duty using total rent up to four years and capped AAR basis beyond four.Open calculator ↗19LiveDutiesCombined purchase dutiesBSD and ABSD in one transaction view with profile-rate provenance.Open calculator ↗20LiveDutiesResidential property taxProgressive owner-occupier or non-owner-occupier tax on Annual Value.Open calculator ↗21LiveFinanceTDSR / MSR capacityBorrowing power after existing commitments, using the selected regulatory gate.Open calculator ↗22LiveFinanceAsset pledge capacityShows the possible income-equivalent uplift against the liquidity locked for four years.Open calculator ↗23LiveFinanceRefinancing break-evenOld versus new instalment, total switching cost and break-even month.Open calculator ↗24LiveFinanceDecoupling trade-offTransfer cost, funding needs and estimated ABSD avoided on the next purchase.Open calculator ↗25LiveFinanceSell one, buy twoCompares two first-property purchases with keeping one and buying at a penalised rate.Open calculator ↗26LiveReturnsGross vs net yieldSeparates headline yield from tax, maintenance, vacancy and letting costs.Open calculator ↗27LiveReturnsRental cashflowMonthly top-up after mortgage and recurring costs, plus break-even occupancy.Open calculator ↗28LiveReturnsEquity builderSplits the mortgage payment into interest and principal funded by rent and owner top-up.Open calculator ↗29LiveReturnsInvestment gradeGrades average annual return after rent, financing, holding costs and exit deductions.Open calculator ↗30LiveReturnsHold vs sellExpected hold wealth after amortisation and cash flow versus sale equity redeployed elsewhere.Open calculator ↗31LiveResearchProperty comparison matrixScores up to five options across connectivity, amenity, scarcity, demand and exit resilience.Open calculator ↗32LiveResearchLease-reset comparisonNormalises quantum and PSF onto a 99-year basis with an explicit old-lease warning.Open calculator ↗33NewPlanRent vs buy horizonCompares rent with ownership cost after financing, sale costs, projected equity and capital opportunity cost.Open calculator ↗34NewPlanTotal cost of ownershipAcquisition, financing, holding, works and value-linked exit costs in one horizon view.Open calculator ↗35NewPlanProperty emergency bufferBuilds a liquidity reserve from mortgage, household costs, vacancy and repair exposure.Open calculator ↗36NewPlanRenovation budget guardrailBase works, professional fees, contingency and temporary housing in one budget.Open calculator ↗37NewPlanCPF accrued-interest roadmapShows the required refund, what available proceeds can restore, and any market-sale shortfall.Open calculator ↗38NewPlanUpgrade price-gap driftShows how different growth rates widen or narrow the gap between current and target homes.Open calculator ↗39NewPlanDownpayment plannerCash minimum, CPF-capable balance, duties and reserve after the purchase.Open calculator ↗40NewPlanPortfolio stress testStresses rent, interest and vacancy across a small property portfolio.Open calculator ↗
The NAVARO calculation standard
Every answer shows its working.
One source of truth per number. No hidden submit button. No unexplained score. Time-sensitive rules are dated and linked to the official authority.
01
Residential BSD bands effective from 15 Feb 2023
checked02
ABSD rates effective from 27 Apr 2023
checked03
SSD four-year schedule for acquisitions from 4 Jul 2025
checked04
TDSR 55% · MSR 30% · bank LTV tiers 75% / 45% / 35%
checked05
Owner-occupier property-tax bands effective from 1 Jan 2025
checked06
CPF OA accrued-interest planning rate 2.5%
checked