🇸🇬 CPF Housing Grant Calculator Singapore
Calculate CPF Housing Grant in Singapore including EHG, Family Grant, and PHG. Check eligibility, total grant amount, and reduce your home loan instantly.
Step 1: Personal
🇸🇬 How to Use the CPF Housing Grant Calculator (2026)
Select Your Citizenship Status
Start by choosing your citizenship (Singapore Citizen or PR). CPF housing grants like EHG are mainly available for Singapore Citizens, so this step is important for eligibility.
Choose Your Marital Status
Select whether you are single or married. This determines your eligibility for the Family Grant, which is one of the largest CPF housing benefits.
Enter Your Monthly Household Income
Input your total monthly income. This directly affects your Enhanced CPF Housing Grant (EHG), as lower income results in higher grant eligibility.
Select Property Type (BTO or Resale)
Choose the type of property you plan to buy. Resale flats offer additional grants like the Family Grant and PHG, while BTO flats have different eligibility rules.
Choose Your Flat Type
Select your HDB flat type (2-room, 3-room, 4-room, or 5-room). The Family Grant amount varies depending on the size of the flat.
Select Distance from Parents
Choose how close your new home is to your parents. Living closer can qualify you for the Proximity Housing Grant (PHG), increasing your total CPF benefits.
Enter Property Price
Provide the price of the property you intend to purchase. This helps calculate your final loan requirement after deducting CPF housing grants.
Click Calculate to Get Your Grant
Click the calculate button to instantly view your total CPF housing grant, breakdown (EHG, Family Grant, PHG), loan amount, and smart insights.
Review Grant Breakdown & Insights
Analyze your results carefully. You will see how much grant you qualify for and tips to increase your eligibility based on your inputs.
Optimize Your Housing Strategy
Use the insights to make better decisions—such as adjusting income, choosing resale flats, or living closer to parents to maximize your CPF housing grant.
🇸🇬 CPF Housing Grant Calculator Singapore – Complete Guide (2026)
Buying a home in Singapore is one of the biggest financial decisions you will ever make. Property prices can be high, and without proper planning, it can become a long-term financial burden. Fortunately, the Singapore government provides strong support through CPF Housing Grants to make homeownership more affordable.
However, understanding how much grant you can actually receive is not always simple. There are multiple schemes, eligibility conditions, and income limits. This is where the CPF Housing Grant Calculator Singapore becomes extremely useful.
This tool allows you to instantly calculate your eligibility for different grants such as EHG, Family Grant, and PHG. It also shows your total grant amount and the remaining loan you need to take.
🏠 What is CPF Housing Grant?
CPF Housing Grants are financial benefits provided to Singapore citizens to help them purchase HDB flats. These grants reduce the purchase price of your home, making it easier to afford.
The main types of CPF housing grants include:
- Enhanced CPF Housing Grant (EHG)
- Family Grant
- Proximity Housing Grant (PHG)
Each grant has different eligibility criteria, and combining them can significantly reduce your housing cost.
💰 Types of CPF Housing Grants
Enhanced CPF Housing Grant (EHG)
EHG is given based on your household income. Lower-income families receive higher grants, making it a key factor in total CPF benefits.
Family Grant
This grant is available for married couples buying resale flats. The amount depends on the flat size and can go up to tens of thousands of dollars.
Proximity Housing Grant (PHG)
PHG is given when you buy a home near your parents or live together. It encourages family support and can increase your total grant significantly.
🧮 Why Use CPF Housing Grant Calculator?
Manually calculating CPF housing grants can be complicated. This calculator simplifies everything into a few steps.
- ✔ Instant eligibility check
- ✔ Accurate grant calculation
- ✔ Loan estimation
- ✔ Scenario comparison
- ✔ Smart insights
📊 How Grant is Calculated
Total Grant = EHG + Family Grant + PHG
Each component depends on factors like income, flat type, and location. Even small changes in these inputs can impact your total grant significantly.
📈 Scenario Planning
The calculator also helps you understand how your grant changes based on different conditions:
- Higher income reduces EHG
- Resale flats increase total grant
- Closer distance to parents increases PHG
🎯 Tips to Maximize CPF Housing Grant
- ✔ Keep income within optimal range
- ✔ Choose resale flats
- ✔ Stay near parents
- ✔ Compare multiple scenarios
🔗 Related CPF Calculators
- CPF Contribution Calculator
- CPF Interest Calculator
- CPF Retirement Calculator
- CPF LIFE Payout Calculator
- CPF Withdrawal Calculator
⚖️ Why This Tool Matters
Without proper planning, you might miss out on thousands of dollars in CPF benefits. This calculator ensures you maximize your eligibility and make smarter financial decisions.
🚀 Final Thoughts
The CPF Housing Grant Calculator Singapore is an essential tool for anyone planning to buy a home. It simplifies complex rules, provides instant results, and helps you make better financial decisions.
Use it today and maximize your CPF housing benefits 🚀
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❓ CPF Housing Grant Calculator – FAQs
What is a CPF Housing Grant Calculator?
A CPF Housing Grant Calculator helps you estimate how much housing grant you can receive in Singapore. It calculates EHG, Family Grant, and PHG based on your income, property type, and eligibility.
What is the Enhanced CPF Housing Grant (EHG)?
EHG is a grant given to first-time homebuyers based on their household income. Lower income households receive higher grant amounts.
Who is eligible for the Family Grant?
The Family Grant is available to married couples purchasing resale flats in Singapore. The amount depends on the flat type.
What is the Proximity Housing Grant (PHG)?
PHG is given when you buy a home close to your parents or live together. It encourages families to stay near each other.
Can I receive all CPF housing grants together?
Yes, you can receive EHG, Family Grant, and PHG together if you meet all eligibility conditions.
Does income affect CPF housing grant?
Yes, income plays a major role. Higher income reduces or eliminates EHG eligibility.
Is CPF housing grant available for BTO flats?
Yes, but BTO flats mainly qualify for EHG. Family Grant and PHG are typically for resale flats.
How much CPF housing grant can I get?
The total grant can go up to S$160,000 depending on your income, flat type, and proximity to parents.
Does CPF housing grant reduce my home loan?
Yes, the grant amount is used to reduce your property price, which lowers your home loan requirement.
Why should I use a CPF Housing Grant Calculator?
It helps you instantly calculate your eligibility, total grant amount, and loan required, allowing you to plan your home purchase better.