Marcus Chew | Free AI Property Planning Calculator

Just Because You CAN Afford a Property, Doesn't Mean You SHOULD Spend That Much.

Here's something many property buyers overlook.

The bank might be willing to lend you enough to purchase a $3 million property. But does that mean you should actually spend $3 million?

What about the money you want to set aside for renovation? Your children's education? Your other investments? Or simply having enough cash on hand for emergencies?

The reality is, your maximum purchasing power and your comfortable property budget can be two very different numbers.

And that's not the only challenge. Many Singaporeans are also unsure about:

5 things most buyers never figure out in time

1
Their actual purchasing power How much can they realistically afford based on their income, CPF, cash savings, and existing financial commitments?
2
Their next property move Should they sell their existing property first? How much money could they have available for their next purchase?
3
Their monthly commitments How much would they need to pay every month, and would that affect their lifestyle?
4
Their financial priorities How much should they set aside for renovation, emergencies, or other investments?
5
Their property options Should they go for a new launch or resale property, and how would the different payment structures affect their finances?

The problem?

Most people only start seriously looking at these numbers
after they've already found a property they like.

That's exactly why I built this AI Property Planning Calculator — to help you understand your numbers, explore your options, and make a more informed property decision before committing to your next purchase.

The AI Property Planning Calculator

One AI Calculator.
A Clearer Picture of Your Next Property Move.

Instead of trying to figure everything out manually, the AI Property Planning Calculator brings together your important financial information to help you understand what you can afford and what makes sense for your situation.

01

Find Out Your Actual Purchasing Power

The calculator takes into account factors such as your income, CPF, available cash, existing loans, and estimated borrowing eligibility. If you're planning to sell your current property, you can also factor in your estimated selling price, outstanding mortgage, CPF refunds, and other relevant costs — so you get a clearer picture before deciding what to buy next.

02

Compare 3 Different Buying Scenarios

Because not everyone wants to maximise their property budget. The calculator allows you to explore three scenarios: Conservative (preserve more cash and flexibility), Comfortable (balance your purchase with lifestyle and other priorities), and Stretch (explore a higher budget based on your available resources).

03

Know What Your Monthly Commitments Will Look Like

A property's purchase price is only one part of the equation. What about your monthly mortgage repayments? Maintenance fees? Property tax and other holding costs? The calculator helps you estimate your monthly commitments and compare how they differ between new launches and resale properties.

04

Generate Your Own Property Planning Report

Get a clear overview of your numbers in one downloadable PDF report — showing your estimated maximum purchasing power, loan and down payment requirements, monthly property commitments, remaining cash and CPF reserves, and suggested comfortable purchase price. Adjust your inputs to compare different scenarios.

Who Is This For

Whether You're Buying, Selling, or Upgrading, Start by Understanding Your Numbers.

For First-Time Property Buyers

Buying your first property and unsure where to start? Whether you're considering an HDB, EC, or private condo, the calculator helps you understand your estimated purchasing power, available financing options, and what you can comfortably afford — so you can narrow down your search based on your actual financial situation.

For HDB Owners Planning to Upgrade

Thinking about selling your HDB and moving into a private property? Find out how your estimated HDB sale proceeds, outstanding loan, CPF refunds, and available savings could affect your next purchase. Explore different scenarios and understand whether an upgrade might be financially feasible for you.

For Private Property Owners

Already own a condo and considering your next property move? Whether you're planning to upgrade, right-size, or move into a different development, the calculator helps you understand your estimated available equity and how it could contribute towards your next purchase.

For Property Investors

Considering your next property investment? Explore your estimated purchasing power, financing requirements, monthly commitments, and available reserves before deciding how much capital to commit. Use the calculator to understand different financial scenarios and whether a potential purchase fits your overall financial plans.

No matter what your next property move looks like, understanding your numbers is always a good place to start.

Why Marcus Chew

Property Planning Should Start With Your Numbers, Not With What Someone Wants to Sell You.

Hi, I'm Marcus Chew

Real Estate Consultant, Singapore

As a real estate consultant, I've worked with clients who have very different property goals. Some want to upgrade into a bigger home. Some want to grow their property assets. And others simply want to find a comfortable home without stretching their finances unnecessarily.

But regardless of what they're looking for, there's one thing I believe we should always do before deciding which property to buy.

Understand the full financial picture first.

Because the property that's right for someone else might not necessarily be right for you. Your income, CPF, existing property, lifestyle, family priorities, and financial goals are all different. And that's why I use data and financial planning tools to help my clients better understand their options before making such an important decision.

Real Clients. Real Property Decisions.

Here's How Structured Planning Has Made a Difference

Every property journey is different. Here's how I've helped clients assess their budgets, compare options and plan their next move through financial planning, market research and individual guidance.

From Considering a Resale HDB to Buying a Private Condo

X.K. — First-Time Property Buyer

I first met X.K. when he viewed a resale HDB I was marketing in Clementi at an asking price of $1.28 million. His priority was to keep his financial commitments manageable.

Using the AI Property Planning Calculator, we explored his estimated purchasing power and found that private property was also an option within his budget. After comparing available properties, he purchased a 2-bedroom unit at Clavon, with $50,000 negotiated off the asking price.

Understanding his numbers gave him more options to consider before deciding.

From Searching for More Space to Finding a Better Family Fit

Z.F. & Y.F. — HDB Upgraders

This couple initially focused on a larger resale condo to meet their family's schooling and space needs. Using the AI Property Planning Calculator alongside a review of their priorities, we compared the available options and considered how each could fit their lifestyle and longer-term plans.

They eventually purchased a 3-bedroom unit at Pinetree Hill for $3.274 million.

The comparison helped them look beyond their initial shortlist and choose a home that suited their family's priorities.

From Planning a Sale to Preparing for Retirement in Malaysia

A Couple Planning Their Retirement Move

This couple wanted to sell their HDB flat and retire in Malaysia, but needed a clearer understanding of the numbers behind the move. Using the AI Property Planning Calculator, we reviewed their financial position and explored how the sale could support their plans.

With a focused marketing and negotiation strategy, they went on to sell their flat and relocate to Malaysia.

Understanding the numbers gave them a clearer basis for planning their next chapter.

Exploring a Second Property While Keeping a Home They Loved

A & O.D. — Planning an Investment Purchase

Their initial plan was to sell their existing property and fund two purchases: a home to live in and an investment property. After reviewing their numbers using the AI Property Planning Calculator, we explored another possibility: decoupling to retain their current home while considering a 3-bedroom unit at Promenade Peak priced at $3.215 million.

This gave them an alternative to evaluate before committing to a sale. Whether this approach is suitable depends on the ownership arrangements, financing and transaction costs involved.

Looking Beyond a Familiar Neighbourhood to Find a Suitable Home

A.L. & S.C. — New Singapore Permanent Residents, First Home

Having recently obtained Singapore permanent residency, this couple wanted a home of their own. They initially favoured Tiong Bahru because it was familiar to them. We explored their priorities and compared alternatives, considering factors such as buyer demand, lease profile and their longer-term plans.

They eventually purchased a 4-bedroom unit at Parc Riviera.

Looking beyond their preferred neighbourhood helped them consider a wider range of homes before making their decision.

Keeping Their HDB While Buying a Private Property

A.T. & X.R. — HDB Owners Exploring Their Next Purchase

This couple initially assumed they would need to sell their HDB flat to buy a private property. They were reluctant to give up the space in a home they loved. After reviewing their financial position, ownership arrangements and available options, we identified an alternative approach.

They went on to purchase a 2-bedroom unit at Penrith while retaining their HDB flat.

Their experience shows why it helps to review your circumstances before assuming that selling is your only option. The options available will depend on your eligibility, ownership arrangements and finances.

These examples reflect individual circumstances. Eligibility, financing, taxes and outcomes vary; a similar result is not assured.

Getting Started

Want to Find Out What the AI Calculator Says About Your Property Situation?

You've seen how the calculator works. Now it's your turn to try it using your own numbers. I'm giving you FREE access to the AI Property Planning Calculator — and you don't need to book an appointment just to use it. Here's how to get started.

1

Fill In Your Details

Click the button below and complete a short registration form. It only takes a minute.

2

Receive the AI Calculator via WhatsApp

I'll reach out to you through WhatsApp and send you the link to access the AI Property Planning Calculator.

3

Explore Your Own Numbers

Enter your financial information, compare different purchasing scenarios, and see what your estimated purchasing power and comfortable property budget could look like. You can also generate your own PDF property planning report for reference.

And if you have any questions or need help understanding your results, I'm happy to guide you through them.

Take the Next Step

Stop Guessing What You Can Afford. Start Planning With Your Actual Numbers.

Whether you're buying your first property, upgrading your current home, or planning your next property investment, making a good decision starts with understanding your financial position.

You might discover that you have more purchasing options than you initially thought. Or you might realise that a slightly lower property budget would give you more financial flexibility.

Either way, it's better to understand your numbers before committing to your next purchase. Get FREE access to the AI Property Planning Calculator and find out what your own numbers tell you.

Before Buying Your Next Property, Find Out How Much You Can Actually Afford — Without Overstretching Your Finances.