Equity Loan Calculator

Monetise your property's equity via an equity/cash-out loan — see what you're eligible for, and whether deploying it makes sense.

1 Your details

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2 Eligibility

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3 Strategy

1 Borrower & property

Age (years)

Property valuation

2 CPF used (including accrued interest)

CPF principal withdrawn

CPF accrued interest

Find both figures on your latest myCPF statement. This is a standing obligation to your own CPF account and reduces what can be cashed out.

3 Outstanding loan on this property (if any)

Outstanding loan balance

Remaining loan tenure (years)

4 Outstanding equity loan on this property (if any)

Outstanding equity loan balance

Remaining loan tenure (years)

A previously drawn equity loan, separate from your original home loan above.

5 LTV tier

Which situation applies? sets your LTV limit and, for retirees, your maximum tenure

Retiree tier: tenure can extend to age 90 instead of the usual age 75 cap.

See eligibility

Your equity loan eligibility

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How it's worked out

Eligible additional equity loan

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Maximum loan tenure

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Monthly instalment at max tenure

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Existing outstanding loan(s) (reference)

Existing loan interest rate (%) reference only

Balance / tenure / instalment

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Your new equity loan

Interest rate on new equity loan (% p.a.) default 1.5% — editable

How much equity loan do you want to take?

Tenure for this equity loan (years)

Equity loan you're drawing

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Tenure

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Monthly instalment

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Back Plan the strategy

Set your strategy

Years of instalments to set aside as buffer 3

Investment duration (years)

Expected rate of return on investment (% p.a.)

Draw down the investment to help pay mortgage servicing? withdraws one year's instalments per year from the invested pot, from a year you pick

Deployed capital & projected growth

Equity loan drawn, minus buffer, deployed for the investment period

Does the strategy make sense?

Deployed capital

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Projected value after investment period

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Outstanding equity loan after investment period

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Profit if you pay off the loan then

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Projected value − outstanding loan

Loan interest cost over investment period

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Net edge over investment period

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Growth vs. interest cost only

Amortisation schedule

Expand full amortisation schedule

Period	Age	Instalment	Interest	Principal	Buffer used	Buffer left	Loan balance

Reality check

This models a leveraged investment: borrowing against your home to invest, not simply monetising equity for income. If the investment underperforms the loan rate, you still owe the full instalment.
The buffer only postpones affordability — if buffer years are fewer than the investment period, you need other income to service the loan for the gap.
"Expected rate of return" is exactly that — expected, not guaranteed. Stress-test with a lower or negative return before treating the projected value as real.
CPF principal and accrued interest remain owed to your own CPF account regardless of this strategy's outcome.
Drawing down the investment to cover servicing shrinks the base that's compounding — the more you withdraw and the earlier you start, the lower your projected value versus leaving everything invested untouched.

Save report as PDF

Asks for a client name, then downloads a PDF summary of this strategy for you to send.

Back Start over

All figures are illustrative, computed client-side from the inputs above. LTV tier, rate defaults, and age-based tenure caps are editable assumptions — confirm against current MAS rules, your bank's quote, and CPF Board's records before acting on this.