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Firepower—
Qualifies to borrow—
live estimate — updates as you type
Buyers
Variable income (commission/bonus) counts at 70% — MAS 30% haircut. Fixed and Variable each have their own /mo·/yr pill — mix them freely (e.g. salary /mo + NOA bonus /yr). Debt is always /month.
Bank IPA details — income, variable & debt fields are ignored; loan comes from the IPA
yrs
$
What was the IPA computed for?
  • TDSR — a private purchase (55% rule)
  • MSR — an HDB purchase (30% rule)
  • EC — an EC purchase: the bank takes the lower of MSR & TDSR for that buyer
A TDSR figure used on HDB/EC overstates the loan — the deck will warn you.
A combined IPA can't properly plan options with 2+ properties (IPAs are issued per purchase). Results become broadly indicative — advise getting split, per-buyer IPAs.
Firepower Boost — enter amounts per buyer above, and/or set a target for the advisor
$
The advisor's question: "stretching towards what?" Set the price the client wants and the Agent Brief will say whether it's reachable naturally (no boost needed), how much show funds or pledge would close the gap, or whether it's honestly out of reach. On screen you only get a discreet status chip.
Property to sell
Frees up the cash + CPF (firepower)
Portfolio settings
Loan rate, stress rate & default reno
%
Which rate? Use the bank package rate you'd actually quote the client today (fixed or floating all-in). Don't use the 4% stress rate here — stress-testing happens separately in the field below. If unsure, check the latest packages with your banker.
%
$
$
Cash carved out before the property plan — repaying personal debts, a car, parents' expenses, renovation of another home, etc. Taken from cash only (never CPF), so it reduces firepower. It shows as its own line in the firepower breakdown so the client sees it.
$
What to include (lump them together):
  • Seller's legal & conveyancing ~$2.5k–3.5k
  • Mortgage discharge / stamping fees ~$350–800
  • Early redemption penalty if the loan is still in lock-in typically 1.5% of the outstanding loan — the one everyone forgets
  • Valuation fee, S&C arrears, handover touch-ups, movers
Deducted from the cash proceeds — it will show as its own line in the firepower breakdown.
Save & Safe Proposal settings
Tune the four proposal plans
Two ways banks can structure the loan.
  • Standard: tenure to age 65 (max 30 yrs), 75% financing — then refinance after ~12 months to stretch. The default play.
  • Extended: tenure fixed to ~age 75 (max 35 yrs) from day one — bigger loan from the same income and lower monthly, but financing drops to 55% (more cash upfront). For cash-rich, income-light clients.
  • Compare both: Proposal mode adds a clean side-by-side page for the client, and per-path numbers in the Agent Brief.
HDB has no extended path. In IPA mode this is auto-detected from the IPA tenure. Banks vary (70–75) — confirm.
yrs
yrs
$
$
Before you generate. Automated & AI-assisted — figures can be wrong. I will verify every number before presenting. Indicative only, not financial advice. Sophia Ng / SND accept no liability for errors or decisions made on it. I comply with CEA & PropNex rules.
SND
SND Save & Safe — The Result
Client — Save & Safe Plans
Firepower
$0
Qualifies to borrow
$0