When can your property retire you? Answer four questions about your home and your income 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.
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.
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.
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.
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.
On the path we recommend
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.
Ranked by the age each one reaches the monthly income you named. Every purchase is sized to what the bank will lend, never to what you hope. Tap one to see the moves.
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.
Move any bucket and the other three absorb it; the total cannot grow.
The five tests a consultant runs before you sign, computed on your first purchase along this path.
Every household starts from a different rung. You own one home today; choose the next rung, or the next two, and each runs on your numbers with every rule and wait inserted. Then compare where each one stands the day you press the button. Pick up to three.
Email it to yourself and it is saved to your name. We re-run it when a rule changes or a date in your plan arrives, and write to you only when your Freedom Age moves. This tool is free because the plan names a condominium, and the report on that condominium is what we sell. If you never buy one, the plan is still yours.
We send the plan and the tracker to this address and nothing else without the tick above. Your details are held under NAVARO's privacy terms.
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.
It is under . Open it any time from "Open my plan" at the top; the link is in your email too. We re-run it when the rules or the market data change and write only when your Freedom Age moves.
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.