Real Estate Agent Value Calculator
What's the cost of going it alone?
This calculator reveals the real numbers behind your home upgrading journey — and how an experienced agent protects, maximises, and simplifies every step.
Your Current Home
$
$
$
1 yr30 yrs
Your Upgrade Target
$
$
3 months18 months
Sale Proceeds Breakdown
Estimated Sale Price
S$650,000
Based on your entered market value
Net Cash After Sale
S$--
After loan, CPF refund + OA accrued interest, legal & agent fees
--
Agent Commission (Co-broke)
S$--
Standard 1–2% for HDB / condo
Selling Without Agent — Risks
--
Estimated underpricing or timeline cost
Risk exposure
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Agent ROI: --
Fill in your details above to see your personalised agent value calculation.
* CPF refund includes accrued interest at 2.5% p.a. from date of withdrawal. Legal fees estimated at S$2,500–$3,500 (seller's side). Commission assumed at 2% (HDB) / 1% (private). Co-broking may reduce net cost. Figures are indicative only.
Purchase Cost Analysis
Target Price
S$1,200,000
Buyer Stamp Duty (BSD)
S$--
ABSD (if applicable)
S$--
Legal Fees (buyer)
~S$3,000
Total Upfront Costs
S$--
Cash / CPF Gap to Fund Upgrade
Available from Sale
0% covered
Funding Gap
S$--
Required Min. Cash (5% rule)
S$--
With Agent vs. Without
| What You Get | With Agent | DIY |
|---|---|---|
| Accurate pricing strategy | ✓ Yes | ✗ No |
| OTP / OE timing coordination | ✓ Managed | ✗ Risk |
| Access to off-market listings | ✓ Yes | ✗ No |
| ABSD / CPF advice | ✓ Guided | ⚠ Self-research |
| Negotiation support | ✓ Professional | ✗ Alone |
| HDB eligibility / MOP checks | ✓ Verified | ⚠ Manual |
| Legal clause review | ✓ Flagged | ✗ Missed |
| Time investment | ✓ ~8 hrs | ✗ ~80+ hrs |
80+ hours estimated for unassisted buyers/sellers: viewings, paperwork, research, negotiations, legal coordination across a 6-month journey.
Your Agent-Guided Upgrade Journey
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Week 1–2
Home Valuation & Financial Planning
Agent conducts a Comparative Market Analysis (CMA) for your current home. We review your CPF, outstanding loan, ABSD exposure, and purchase eligibility together. No surprises later.
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Week 2–4
Listing Strategy & Buyer Outreach
Professional photography, staging advice, targeted marketing across portals and agent networks. Co-broke outreach to maximise qualified buyer eyeballs quickly.
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Week 3–8
Parallel Property Search for Upgrade
While your current home is being marketed, we simultaneously shortlist and view your target properties — so you're ready to commit the moment your sale closes. Critical for timing.
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Week 6–10
Negotiation & OTP Coordination
Agent negotiates both the sale and purchase simultaneously. We structure OTP timelines and extension clauses to ensure you don't end up homeless or double-paying. Legally reviewed before signing.
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Week 12–16
Completion & Handover
Agent coordinates with lawyers, HDB/URA, CPF Board and banks to ensure smooth simultaneous completion. We're present at key collection and defects walkthrough for your new home.
Let's Map Out Your Numbers
Every home upgrading journey is unique. Let's sit down and run these numbers together — with real market data and a strategy tailored to your timeline.
Book a Free Consultation
