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Free Money, Timing & Safety Self-Assessment

Property Progression Score

Quick answer: This free assessment scores your property readiness out of 100 across 14 questions in three pillars: Money (equity, CPF, cash buffer, income), Timing (your property situation and progression pathway) and Safety (mortgage rate, insurance, rate shock resilience). Results fall into four bands: Foundation, Building, Optimising or Advanced. No sign up needed.

Answer 14 quick questions across Money, Timing and Safety. Get your score out of 100 and a point by point breakdown instantly. No sign up, no gate.

01 Money , can you afford it: equity, CPF, cash, income, TDSR headroom

1. How would you describe the equity in your current property (value minus outstanding loan)?

2. What is your combined CPF Ordinary Account and Special Account balance available for property or investment?

3. How many months of expenses does your cash savings buffer, outside CPF, cover?

4. Beyond property and CPF, do you hold other liquid assets (stocks, bonds, unit trusts, fixed deposits)?

5. How would you describe your household income stability?

6. Roughly how much headroom do you have under the TDSR 55% cap?

7. Do you carry other regular commitments (car loan, personal loan, credit card balances, family support)?

8. How would you describe your monthly budget after all commitments, including dependents?

02 Timing , current property, timeline, upgrade intent

9. What best describes your current property situation?

10. What is your timeline for your next property move, if any?

11. How clear is your progression pathway (for example HDB to EC to private, or hold versus upgrade versus right size)?

03 Safety , rate exposure, lock in, insurance, contingency

12. Where do you stand on your mortgage rate and lock in period?

13. How would you describe your insurance coverage tied to the property (mortgage reducing term, life, critical illness)?

14. If mortgage rates rose by 1 to 2 percentage points, how would your household be affected?

0 of 14 answered

This score is an educational self assessment, not financial advice. For illustration only. CEA R073319H.

0 out of 100 Foundation

This score is an educational self assessment, not financial advice. It does not constitute a recommendation to buy, sell, or refinance.

Optional. Your score and breakdown above stay fully visible either way, no email required.

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Calculations last verified August 2026 against IRAS, MAS and HDB published rates.

Want the full picture?

A score is a snapshot. The Property Portfolio Analysis is the full picture.

The Progression Score gives you a directional read in 5 minutes. The full Property Portfolio Analysis goes deeper, covering your actual numbers across Money, Timing and Safety, with Winfred, at no cost.

Book the free Property Portfolio Analysis

Frequently asked questions

What does the Property Progression Score measure?

It is a free 5 minute self test: 14 questions across three pillars, Money, Timing and Safety, scored out of 100 with a point by point breakdown, instantly and with no sign up.

What does the Money pillar cover?

Money asks whether you can afford it: equity in your current property, CPF Ordinary and Special Account balance, your cash savings buffer, other liquid assets, income stability, TDSR headroom, other regular commitments, and your monthly budget after commitments.

What do the Timing and Safety pillars cover?

Timing covers your current property situation, your timeline for the next move, and how clear your progression pathway is. Safety covers where you stand on your mortgage rate and lock in period, your insurance coverage tied to the property, and how a 1 to 2 percentage point rate rise would affect your household.

What do the score bands mean?

A score of 25 or under is Foundation, up to 50 is Building, up to 75 is Optimising, and above that is Advanced.

Do I need to sign up to take the assessment?

No. It is free, takes about 5 minutes, and gives you your score and breakdown instantly, with no sign up and no gate.