Methodology · Singapore property planning
Transparent enough
to challenge.
NAVARO calculators are planning tools, not quotations, approvals, valuations, tax advice or legal advice. Every tool exposes its assumptions, calculation trail, visual comparison and source basis.
Calculation standard
Inputs remain editable. Time-sensitive regulatory logic is centralised, dated and tested against worked examples. Scenario assumptions are labelled as assumptions rather than presented as forecasts.
- Rules reviewed: 10 Aug 2026
- Money values use Singapore dollars unless stated otherwise.
- Rounding is applied for display; calculation engines retain full precision.
- Results should be independently verified before a financial commitment.
Primary source basis
Official authorities are used for tax, stamp-duty, CPF and financing-rule references. NAVARO methods cover planning comparisons where no single statutory formula exists.
All 40 calculator methods
Each calculator has a permanent public URL so its purpose, assumptions and source basis can be understood by people and search systems.
01Mortgage runwayCan this loan remain comfortable beyond the headline rate?MAS / MoneySense02Maximum purchase priceWhat is the defensible ceiling—and what constrains it?MAS / MoneySense03New launch vs resaleWhich route leaves the stronger position at the same horizon?NAVARO method04Private-home purchaseHow much must be ready before completion?IRAS05HDB resale purchaseDoes the purchase pass both the funding and monthly-payment tests?HDB06BUC progressive paymentWhat is paid before TOP, and when does financing actually start?NAVARO method07New EC purchaseDoes the household pass the EC-specific affordability gates?HDB08Landed purchaseWhat is the real entry quantum after the house, duties and works?IRAS09Commercial purchaseWhat is the all-in acquisition cost before operating the asset?IRAS10Sales proceeds waterfallWhat actually becomes usable cash after the sale?CPF11Sell an HDB flatWhat is left, and is the intended sale timing eligible?HDB12Sell a condominiumWhat is the net cash after every deduction?IRAS13Sell a landed homeHow much equity becomes cash at completion?IRAS14Sell a commercial propertyWhat is the net exit before business-income tax advice?IRAS15Seller’s Stamp DutyDoes waiting change the duty materially?IRAS16Buyer’s Stamp DutyWhat duty is payable on the higher value?IRAS17Additional Buyer’s Stamp DutyWhat is the applicable profile rate before remission advice?IRAS18Rental stamp dutyHow much must be stamped for this tenancy?IRAS19Combined purchase dutiesWhat is the total stamp-duty cheque?IRAS20Residential property taxWhat is the recurring annual tax before any case-specific rebate?IRAS21TDSR / MSR capacityHow much loan can the monthly-income gate support?MAS / MoneySense22Asset pledge capacityIs the borrowing uplift worth immobilising the asset?MAS / MoneySense23Refinancing break-evenWill the savings arrive before the next likely move?NAVARO method24Decoupling trade-offDoes the duty saved outweigh the full restructure cost?IRAS25Sell one, buy twoDoes restructuring improve deployable capital after duties?IRAS26Gross vs net yieldWhat does the asset yield after the costs marketing leaves out?NAVARO method27Rental cashflowHow much cash must the owner add each month?NAVARO method28Equity builderHow much equity is built despite a monthly top-up?NAVARO method29Investment gradeIs leverage creating a genuinely durable return?NAVARO method30Hold vs sellWhich use of the trapped equity has the higher expected value?NAVARO method31Property comparison matrixWhich option wins on the factors that survive the sales gallery?NAVARO method32Lease-reset comparisonIs the lower PSF simply payment for less remaining tenure?NAVARO method33Rent vs buy horizonAt this horizon, which route preserves more capital?NAVARO method34Total cost of ownershipWhat will this property really cost to own—not just to buy?NAVARO method35Property emergency bufferHow much cash should remain untouched after completion?NAVARO method36Renovation budget guardrailIs the works budget complete enough to commit?NAVARO method37CPF accrued-interest roadmapHow much sale equity will return to CPF rather than cash?CPF38Upgrade price-gap driftWhat does waiting do to the upgrade quantum?NAVARO method39Downpayment plannerIs enough of the war chest in the right form?MAS / MoneySense40Portfolio stress testHow much monthly liquidity is needed in a poor but plausible year?NAVARO method