Free calculator
ABSD Decoupling Calculator
Should you decouple to free up ABSD capacity for a second property? Enter your numbers and get an instant verdict.
Singapore 2025/2026 ABSD rates. For SC / PR / Foreigner profiles.
Your details
Typical range: S$5,000 – S$8,000. Includes legal fees and BSD on transfer value.
Fill in your details and click Calculate to see your ABSD savings analysis.
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How to read these results
WORTH DECOUPLING
Net benefit above S$15,000. The ABSD savings comfortably outweigh the transfer costs. Decoupling is financially compelling.
MARGINAL
Net benefit between S$1 and S$15,000. The numbers work, but only just. Consider other factors: loan impact, CPF, timeline.
NOT WORTH IT
Transfer costs exceed ABSD savings. Other strategies (e.g. one spouse absorbs ABSD, or delaying the second purchase) may be better.
Disclaimer: This calculator is for illustrative purposes only. ABSD rates, BSD, and CPF rules can change. This is not legal or financial advice. Consult a qualified advisor before making any property decisions. Winfred Quek, CEA R073319H, Crestbrick.
Read more: ABSD Decoupling Singapore 2025 2026 Complete Guide