Super Calculator
Spreadsheet-density financial analysis — prove the numbers to your client
Global Parameters
Loan rate, tenure, financial profile — applied across all scenarios
Loan & Projection
Financial Profile
Comparison Matrix — Resale vs New Launch (BUC)
Full cost breakdown side-by-side — hover metrics for explanations
| Metric | Resale Property | New Launch (BUC) |
|---|---|---|
Purchase Price (S$) Total transacted price before taxes or renovation costs. Sets the loan quantum and stamp duty calculation base. |
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Loan Quantum (%) Loan-to-Value ratio. Max 75% for private residential. Lower LTV = more cash upfront but less interest paid over time. |
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Renovation Cost (S$) Resale units typically need S$80–150K for full renovation. BUC (brand new) only requires fitting-out, usually S$15–30K. |
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Stamp Duty (BSD + ABSD) Buyer's Stamp Duty (tiered on all purchases) + Additional BSD based on your nationality and number of properties owned. Biggest cash outlay besides downpayment. |
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Construction Stage (BUC only) How far along is the BUC property? Each milestone triggers a progressive payment. Earlier stage = more interest cost ahead of you. |
N/A | |
Lease Remaining / Duration Below 60 years, CPF usage is restricted and banks may not grant full loans. Impacts resale appeal and future buyer pool significantly. |
99 years (fresh) | |
Maint. Fees / Rent while wait Resale: monthly maintenance fees. BUC: rent you pay while waiting for TOP. This interim rental cost is often overlooked in BUC comparisons. |
/mo |
/mo |
Cost / Lease Year Total ownership cost amortised over remaining lease years. The fairest way to compare a 65-year resale unit vs a fresh 99-year BUC. |
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Mortgage Interest (Total) Total interest paid over the projection period. Varies with rate, tenure, and loan size. Refinancing can reduce this significantly. |
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Property Tax (Total) Annual Value × applicable tax rate, summed over projection period. Owner-occupied rates are lower than investor/non-owner rates. |
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SSD Exposure Seller's Stamp Duty applies if you sell within 3 years: 12% in year 1, 8% in year 2, 4% in year 3. Resale is always SSD-free at point of purchase. |
None (resale) | — |
Total Residence Cost Grand total of all outflows over the projection period: downpayment, taxes, renovation, mortgage interest, property tax, and maintenance or rental costs. |
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Sensitivity Matrix
ROI at different interest rates & appreciation scenarios — hover cells for detail
Break-Even & Equity Curve
Cumulative cost and equity build-up over the projection horizon
Resale Amortization
| Year | Monthly Pmt | Interest | Principal | Balance |
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BUC Progressive Schedule
| Stage | Outlay | Monthly Int | Cumul. Int | % |
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