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CPF Pro-Rated Calculator.

Buying an older flat? See how a short lease cuts the CPF you can use and the HDB loan you can take.

For leases that don't cover the youngest buyer to age 95

Enter the youngest buyer's age and the remaining lease to see what the short lease means for you.

Eyeing an older flat?

Happy to sanity-check the lease maths and what it means for your cash.

Let's chat

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This calculator applies the CPF pro-rated usage formula and the HDB housing loan LTV (75%, pro-rated by the same factor) for properties whose remaining lease does not cover the youngest buyer to age 95. The CPF figure is rounded to the nearest whole percent and matches CPF's official housing usage calculator. It is for general reference only. Your actual CPF usage and loan limit are determined by CPF Board and HDB based on the valuation, lease, and all owners' ages at the point of purchase. Always verify with the CPF housing usage calculator, HDB, or your banker before committing.