Decoupling Break-Even
Does the ABSD saved on your next purchase actually exceed the BSD + legal + financing cost of the transfer? If it doesn't, decoupling is a bad trade. This calculator gives you the honest answer in seconds.
Citizens married to Citizens · Full-share transfer assumed
The transfer (one spouse buys out the other's 50%)
The next purchase (by the freed-up spouse)
Assumptions: Full 50% transfer between spouses. BSD computed on the transferred half's market value per IRAS residential tiers. ABSD compared with-without-decoupling. Does NOT model CPF refund mechanics, accrued interest, outstanding loan restructuring, or SSD (if applicable) — these can materially shift the break-even. IRAS has ramped scrutiny on decoupling since 2023; legitimate commercial purpose matters.