BTO Journey Planner - Financial Roadmap

Step 1: Your Personal & Financial Details

Enter your details to calculate projected CPF savings and scheme eligibility.

Partner 1 (Self)

Partner 2 (Spouse/Fiancé)

Step 2: HDB & Grant Details

Flat Purchase Price (S$) Flat Type (for Option Fee) Estimated Key Collection Date

Eligible Housing Grants

Note: The actual grant amount is determined by HDB/CPF.

Enhanced CPF Housing Grant (EHG)

Family Grant (FHG) / Proximity Housing Grant (PHG) (If applicable)

Step 3: Financial Timeline & Expected Costs

Excitement Countdown!

To Estimated Key Collection Date:

Phase	Est. Date	Cash Required (S$)	CPF OA Used (S$)	Total Est. Cost (S$)

CPF OA Balance Projection Summary

Step 4: HDB vs Bank Loan Comparison

A high-level comparison to help you weigh stability versus potential interest savings. (Loan amount will be calculated based on 75% LTV)

Disclaimer on Accuracy (Credibility Reference)

All financial projections (CPF, Loan installments, etc.) are **estimates** based on current official CPF and HDB guidelines as of 2025. Actual amounts may vary due to changes in government policies, interest rates, and individual CPF contribution histories. This application is for planning purposes only.