Enter your details once. Every tab uses them. Numbers update as you type, and every setting can be changed.
Or enter the last 15 months from your CPF statement (oldest first). With 14 past months filled, bonus months are dropped and the typical month is used.
Opens WhatsApp with your results written out, addressed to Ivan. Press send and you keep a copy in the chat.
These apply to the price range and to every option below, unless you change an option on its own.
Each column is one purchase option. Yellow rows are settings you can change for that option. The All column changes the setting for every option at once.
Net gain = selling price − selling costs (agent, legal, Seller's Stamp Duty) − what you paid − buying costs − interest paid − maintenance. Loan principal you repay is yours, so it isn't a cost.
Three prices, each with an HDB loan and a bank loan. Yellow rows can be changed per column. Blank means the sheet's default.
5% booking fee in cash, 15% on signing and 5% later from CPF or cash, loan for the rest. Yellow rows can be changed per option.
Each price is pushed up until the first limit bites: the bank loan limit, the minimum cash rule, or the money set aside running out. Cash is household money. CPF can't cross between buyers.
Options 1-4 keep back a share of CPF and cash. Option 5 uses each buyer's own budget.
Each dot is one week from the first event.