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Decoupling Calculator Singapore 2026

Find out if decoupling saves you ABSD on your next property purchase.

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What is decoupling? One co-owner transfers their share to the other, leaving one owner holding the current property. The other owner is then free to buy a new property as a first-time buyer, avoiding ABSD. The transfer triggers BSD and legal fees but can produce significant net savings on higher-priced properties.

Current Property

$
$
New Purchase
$
Decoupling Cost
-
ABSD Saved
-
Transfer value (share × property value) -
BSD on share transfer -
ABSD on share transfer (PR buyer pays 5%) -
Loan to refinance solo (buying spouse must qualify alone under TDSR) -
Est. legal fees on transfer $3,000 - $5,000
ABSD rate saved (new purchase) -
Net saving from decoupling (est.) -
Decoupling involves legal and financial complexity, including CPF refund obligations and loan re-qualification. Always consult a conveyancing lawyer and financial adviser before proceeding.

Note: if the property was bought within the last 3 to 4 years, Seller's Stamp Duty may apply on the share transferred. The exiting spouse's CPF used plus accrued interest must also be refunded to their CPF account. Confirm both with your lawyer.

All calculations are for reference only. Net savings estimates use average legal fees of $4,000. Actual figures depend on specific loan, CPF, and legal circumstances. Consult a licensed financial adviser and conveyancing lawyer before proceeding with decoupling.

Keith Tan Boon Kee · ERA Realty Network · CEA R003793E · Licence L3002382K
WhatsApp: +65 97501055 · WeChat: keithtanbk

This page is for general information only. All figures are estimates only, not guaranteed, and may change. Please conduct your own due diligence before making any property decisions.