EastCondos · Strategy Planner
Property by Design
 

The plan

Fill in what you know — every number recalculates live, and saves on this device. Fields marked with an amber dot are best-guesses; ask the client to confirm. Tap a section to open it.

Single applicant, or a couple / two co-buyers.
Stop work at60
Target income / month$5,000
Cash lasts to age90
Risk / leverage appetite
CPF set-aside at 55 iHow much CPF they lock away at 55 for monthly payouts later. Higher sum = bigger cheque from 65. BRS < FRS < ERS.
Happy to be a landlord in your 60s?
Want to leave a property behind?

Where they stand today

The starting position — what they hold, and what it lets them buy.

Their money, by pot
$0
Total net worth today
$0
Max loan they qualify for iThe biggest home loan the bank will give, based on both incomes and how long the loan can run.
$0
Show-hand budget iThe most they could buy putting in everything — cash, CPF and the maximum loan.

The four seasons of money

Spring to Winter. The plan has to survive the gap between stopping work and the CPF cheque arriving.

The four paths, ranked

Projected income each month once CPF LIFE kicks in (65+), against their target. Best-fit path is ringed.

Monthly retirement income (65+) by path

Your winter projected estimate

The endgame for the recommended path — sell, right-size to a paid-up home, and live off the rest.

The move at retirement
Where the income comes from (65+)
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a month, for life (65+)
$0
The bridge: age 60–65 iIncome during the gap years — salary has stopped but CPF LIFE hasn't started yet. This comes from cash drawdown (and rent if a place is kept).
$5,000
Their target / month