A quick estimate of the CPF Valuation Limit for a purchase, based on CPF Board's own rules — good for a ballpark in conversation, not for locking in numbers.
01
Owner(s)
The youngest owner's age at purchase drives the lease-adequacy test — CPF checks whether the remaining lease covers this person to age 95.
02
Property
HDB flat
Private / EC
99-year leasehold
Freehold / 999-year
Assumes a 99-year lease starting from the year built/TOP — the norm for HDB and most private leasehold projects. Freehold and 999-year leases always pass the lease-adequacy test, no proration applies.
03
CPF savings
This is combined Ordinary Account savings across all owners, at today's balance.
Rough estimate
OK TO USE
$0
combined Ordinary Account savings usable for this purchase
Purchase price—
Valuation at purchase—
Remaining lease (est.)—
Lease covers youngest owner to 95?—
Proration factor applied—
Usable from OA—
This is just a rough guide
Your exact usable amount depends on details this tool doesn't capture — precise birth date, purchase date, and your specific transaction. Message us directly and we'll work out your real number together for a better picture.
This is a rough guide, not an exact figure — it's meant to give you a general sense of where you stand, not a final answer. Your exact usable amount depends on your precise birth date, purchase date, and other factors this tool doesn't capture. For your exact figure, message us directly with your details.