Safety net
How many months could your savings keep up the mortgage if your income stopped?
Months covered—
Cash covers the loan and other commitments; CPF covers the loan only.
Months from cash—
Months from CPF OA—
Common buffer to aim for—
How this estimate works
Months from cash = cash ÷ (loan repayment + other commitments). Months from CPF OA = OA balance ÷ loan repayment. Many households aim for at least 6 months; this is a planning guide, not a rule.
Official references: MoneySense LTV and minimum cash. Rules checked 3 November 2026.
More planning tools.
New launch paymentsProgressive payments and loan drawdown by stageCompare two homesUpfront and monthly costs side by sidePledge or show fundsAssets needed to meet the 55% TDSRRental stamp dutyIRAS lease duty for a tenancy agreementAmortisation tableInterest, principal and balance, year by yearAge and loan tenureLongest tenure before the loan limit dropsDecoupling stamp dutyBSD and ABSD on buying a co-owner’s shareExit forecastA what-if sale after a few yearsCore calculatorsSale proceeds, affordability, mortgage, BSD, ABSD, SSD
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