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PROPERTY APPRECIATION & WEALTH CALCULATOR
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Understand your past, current, actual and projected property position.
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START HERE • Enter figures in yellow cells • Blue cells calculate automatically • Review Dashboard for the summary
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YOUR INPUTSYOUR INPUTSAUTO-CALCULATED
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1. PAST POSITION2. CURRENT POSITION
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Year of Purchase2023Current Year2026
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Purchase Price ($)$900,000Property Valuation ($)$1,100,000
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Original Housing Loan ($)$500,000Outstanding Loan ($)$300,000
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Loan Interest Rate (% p.a.)2.60%CPF Principal Used - Owner 1 ($)$100,000
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Original Loan Tenure (Years)25CPF Accrued Interest - Owner 1 ($)$50,000
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Stamp Duty ($)$21,600CPF Principal Used - Owner 2 ($)$50,000
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Legal Fees at Purchase ($)$3,000CPF Accrued Interest - Owner 2 ($)-
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Renovation Cost ($)$40,000Cash Proceeds ($)$600,000
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Other Purchase Costs ($)$5,000Legal Fee for Sales ($)$3,000
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Agent Fee for Sales ($)$23,980
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Other Selling Costs ($)$1,000
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Cash Takeback ($)$372,020
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3. ACTUAL POSITION
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Annual Property Tax ($)$240Total Gross Rental Income Received ($)-
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Annual Maintenance and Conservancy Fee ($)$600Total Rental-Related Expenses ($)-
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Annual Insurance Fee ($)$300Other Holding Costs ($)-
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4. FUTURE POSITION — NEXT ONE YEAR PROJECTION
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Next One Year Loan Interest ($)$7,800Next One Year Rental-Related Expenses ($)-
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Next One Year Combined CPF Accrued Interest ($)$5,000Next One Year Capital Appreciation ($)$66,667
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Next One Year Combined Expenses ($)$1,140Next One Year Realised Profit / Loss ($)$52,727
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Next One Year Rental Income Received ($)-
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PROJECTED NEXT-YEAR OUTCOMEPROJECTED GAIN
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Projection basis: loan interest uses the current outstanding loan and original annual interest rate; CPF accrued interest assumes 2.5% for the next year; rental income, rental-related expenses and capital appreciation use the historical annual average based on the holding period.
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YOUR RESULTS
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Holding Period (Years)3Total CPF Principal Used ($)$150,000
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Capital Appreciation ($)$200,000Total CPF Accrued Interest ($)$50,000
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Total Appreciation (%)22.22%Total Purchase Costs ($)$69,600
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Annualised Appreciation (%)6.92%Total Holding Costs ($)$3,420
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Current Property Equity ($)$800,000Net Rental Income ($)-
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Loan Principal Repaid / Forced Savings ($)$200,000Total Selling Costs ($)$27,980
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Estimated Loan Interest Paid ($)-Cash Takeback ($)$372,020
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NET PROPERTY RETURNTOTAL EQUITY BUILT TODAY
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$99,000$800,000
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PLAIN-ENGLISH INTERPRETATION
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Your property increased in value by $200,000 over 3 years, equivalent to 6.92% annualised appreciation. You repaid approximately $200,000 in loan principal, building property equity through forced savings. Your estimated current property equity is $800,000. Your estimated cash takeback is $372,020. Based on historical averages and current rates, the projected next-one-year realised profit/loss is $52,727.
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Important: This calculator is for educational planning only. The Future Position is a projection based on simplified assumptions and historical averages. It does not guarantee future property appreciation, rental income, CPF rates or profit. Verify transaction-specific figures with the relevant authorities and qualified professionals.
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