When can your property retire you? Answer five questions about your home, your income and what you want next and you get the age at which it could pay you a monthly income, and the three moves that bring that age forward.
Or for a couple, 36 and 35, with an HDB flat in Punggol.
One age, in plain sight. Every figure behind it says why.
Keep and add, upgrade and hold, or sell and split. Ranked for your goal.
What you pay each month, what you own at 65, and what it turns into.
The age at which your property could start paying you the monthly income you want in retirement, from its sale, its rent or both, worked out from your household, your income and the home you own.
You answer five questions: who is planning and their ages, what you earn, what you own and owe, the monthly income you want, and where you want to go next. It prices every route that fits your household on Singapore's loan rules (TDSR 55%, a 4% stress test, 75% loan-to-value on a first housing loan), stamp duties, CPF refunds and HDB rules, and returns the age and the moves that bring it forward.
Yes. Your Freedom Age, the moves and the outlook are free. The Freedom Plan, S$199, adds the sale workings for the year you act, every other path priced, and a printable plan.
Yes. It starts from an HDB flat or a condominium, and covers upgrading, keeping and adding a rental, right-sizing, and moving from private property to an HDB flat under the rules in force since 28 July 2026.
No. Freedom Age is an illustration on stated assumptions and public rules. Confirm every figure with HDB, CPF, IRAS and MAS, or a licensed adviser, before you transact.
Ages decide how long a bank will lend, and that decides most of the answer. Residency decides the stamp duty on every purchase.
What each name earns, before CPF. The bank counts salary in full and variable income at 70%; a partner who is not working is fine.
Your home is the first rung of the ladder. Every plan starts from it.
Projects come from headroom.sg's directory of 3,231 condominiums; the district follows the project.
Enter the block, floor and stack. The size comes from the unit's own record, the bedroom type from its size, and the value from headroom.sg's engine.
| Date | Block | Unit | Size | Price | psf |
|---|
Addresses come from Flatworth, NAVARO's HDB engine; the town sets the district.
Addresses come from OneMap through Landed Atlas; the district follows the postal code.
We take your current loan at 2.5% a year, the assumption behind every instalment and every "loans repaid" figure on the next pages, and run it to the age above on the owner's own age. Your bank's package will differ a little.
Not sure of a figure? A rough number is fine. Every one of these can be refined after you see your age.
The monthly income you want your property to pay you, in today's dollars, and the age you want it from.
CPF LIFE and your savings sit on top of this figure, not inside it.
Name the question on your mind and the move you have in view. The plan is built around them, and the last page answers you in your own terms.
Not sure? Leave it: the free result reads your home as it stands, and the Freedom Plan ranks every move that fits your home and your names.
Freedom Age's analyst reads this against your numbers on the result page. Say what you would sell, what you would buy, whose name, and when.
What you expect to buy shapes the plan: the price you name is what the plan buys when the bank allows it, and the name decides the duty and the loan.
Cash on hand and the CPF OA balance today, each name on its own. A rough number is fine.
Everything you submit is confidential and used only to build a plan for you. How we hold it: privacy policy.
Your answers are with Freedom Age. We build your plan from them and come back to you. Everything you submitted is confidential and used only for that.
On the path we recommend
The age you press the button decides every figure on this page, together with the Cautious, Expected or Strong market case below.
Your question, answered
Your own move, read against your numbers
Prepared on our server for Freedom Plan members. None of it is sent to your browser until you have paid.
Property is the vehicle, not the destination. Holding to the end of your life leaves the wealth inside the walls. At the age you choose, you press the button: sell, and turn the equity into four things you live on. Salary is active income, and it ends. Rent is passive income. Equity you convert is asset income.
Not financial advice. The buckets, the yields and every projection on this page are a simulation on the stated assumptions, for planning conversations; the dividend pot is an illustration at the yield stated, not a recommendation of any share, fund or product. Confirm anything you act on with your bank and a licensed adviser.
Set a bucket and it stays put; the buckets you have not set absorb the change. The total cannot grow.
The five tests a consultant runs before you sign, computed on your first purchase along this path.
The read on your numbers: your choice against holding what you own, where each stands the day you press the button, and the rule that decides it.
These figures are computed by NAVARO’s own analytics, not by a licensed valuer or a bank, and they are a guide rather than a valuation. What this is, and what it is not.
Prepared on our server for Freedom Plan members. None of it is sent to your browser until you have paid.
Every move open to your home and your names, your choice first, ranked by the age each reaches the income you named. Every purchase is sized to what the bank will lend. Pick one and press Re-map: parts one to six above rebuild on it.
Email it to yourself and it is saved to your name, to open again on any device. Your Freedom Age, the moves and the outlook stay free.
We send the plan to this address and nothing else without the tick above. How we hold your details: privacy policy.
We sent a six-digit code to . Type it here and your plan is saved to your name.
The code works for ten minutes and once only. Nothing after two minutes? Look in spam or promotions, and mark it "Not spam" so the next one lands in your inbox.
It is under . Open it any time from "Open my plan" at the top; the link is in your email too.
Illustrative only, in Singapore dollars. Growth and rent figures in this preview are stated assumptions; the live tool reads them from NAVARO’s transaction warehouse and labels every one. Loan rules as of February 2026: TDSR 55% of gross monthly income, loans stress-tested at 4%, LTV 75% on a first housing loan, ABSD by residency and property count as of February 2026 (citizen 0, 20, 30%; permanent resident 5, 30, 35%; foreigner 60%), variable income counted at 70%, CPF Ordinary Account contributions estimated at 23% of salary up to a monthly wage ceiling of $8,000 (confirm the ceiling in force). Confirm every figure against MAS, IRAS, HDB and CPF rules before you transact. Admin.
A guide, not a valuation. Every figure here is computed by NAVARO’s own analytics from recorded transactions, not by a licensed valuer or a bank. Before you decide, check it against a valuation from a licensed appraiser and from the bank you are borrowing from. Read the full disclaimer.