SND Save & Safe AI Powered
Everything the tool does, in plain language — what to enter, how each number is worked out, and how to read what comes out. Use it to train, or just read it through start to finish.
What this tool is
It turns a client's property sale into a clear plan for their next move. From what they're selling, it works out how much money they free up, how much they can borrow, and what they can comfortably buy — then packages it into a clean PDF for the client and an internal brief for you.
The whole idea sits on two words:
- SAVE — the monthly mortgage instalment. Lower = easier to carry.
- SAFE — the safety net: how many years of instalments their leftover cash (the reserve) can cover with zero income. Higher = safer.
Every figure is an indicative estimate to guide a conversation — not a bank approval and not financial advice.
The two modes
At the top you pick one of two modes. The whole page changes colour so you always know which you're in — gold = Proposal, green = Comparison.
No purchase yet — 4 plans
For prospecting. Enter what they're selling and the tool auto-generates four ready-made plans — from a big safety cushion to maximum wealth-building. Best when the client hasn't picked a property yet and you want to show what's possible.
Comparing options — deck
For a client weighing specific choices. Each "option" can hold one OR several properties (e.g. buy A vs buy A + B). The tool lays them side by side and recommends the one with the best 4-year outcome.
What you enter
All money figures are monthly, in SGD, unless the label says otherwise.
Buyers
Property to sell
Settings
Comparison options
Each option holds one or more properties. Per property you set: price, type (new launch/BUC, private resale, HDB resale), who's buying it, and whether it's own-stay or investment. Investment unlocks rent, maintenance and how many months it's rented; an own-stay new launch lets you set "rent while waiting" for the build.
Key terms — explained simply
Firepower — the total cash + CPF the client can deploy. Worked out as:
Eligibility (how much they can borrow) — capped by the rules:
- TDSR 55% — total monthly loan repayments can't exceed 55% of gross monthly income (minus existing debts), tested at the stress rate.
- MSR 30% — for HDB/EC only, an extra cap: home loan ≤ 30% of income. The lower of the two wins.
- Tenure — set by the buyers' income-weighted average age. Older shortens it and lowers the loan.
LTV (loan-to-value) — the max % of price a bank will lend:
Buy-in — the upfront money to complete the purchase: Down payment (price − actual loan) + BSD + ABSD + renovation + legal. Whatever firepower is left after the buy-in becomes the SAFE reserve.
SAVE — the monthly mortgage. Year 1 uses the original tenure; from ~12 months you can refinance to a longer tenure, easing it to the lower Year 2+ figure.
SAFE / runway — how long the leftover cash reserve can cover the mortgage with zero income (12 × Year-1 instalment, then 12 × Year-2 each further year).
Stamp duties:
- BSD — Buyer's Stamp Duty, paid on every purchase (tiered, ~1–6%).
- ABSD — Additional Buyer's Stamp Duty, charged per buyer based on how many properties they own and their residency. A married couple with ≥1 Singapore Citizen buying their first home jointly can get full ABSD remission ($0) — only when the Married toggle is on.
Investment net rent — rent isn't pure profit. The tool nets it down: rent collected − maintenance − vacancy/agent/repairs − property tax (IRAS estimate) − income tax (estimate)= net rent.
How loan & firepower work together
Think of two taps filling a bucket — the loan and the firepower. A plan picks the biggest property where both together are enough, and stops at whichever runs dry first. Here's how that plays out:
The four proposal plans
In Proposal mode the same firepower is redeployed four ways — same household, the client's call on risk:
Each plan shows its price, the SAVE monthly figure, and the SAFE years — so the client picks the balance they're comfortable with.
Reading the on-screen result
After you hit Generate, the summary panel shows:
- Firepower and (Proposal) Qualifies to borrow, or (Comparison) the Best 4-yr net gain in dollars.
- The green recommendation banner (Comparison) — says why an option wins: highest projected 4-year gain, how much more than the next option, and how much stays as reserve.
- Cards for each plan/option, with the recommended one badged and its net gain as the headline number.
The PDFs & the agent brief
Two downloads, two audiences:
- Client PDF (green button) — premium, branded with your photo/name. Proposal = a firepower breakdown page + the four plans. Comparison = firepower → allocation → side-by-side table → a dedicated page per option → a written "why this one" case.
- Agent Brief (dark button, internal) — never give this to a client. It has talking points, objection-handling, and a full worked example showing every number's derivation (firepower, buy-in, 4-year return, SAVE, reserve). The proposal brief works through all four plans.
Saving clients
- Save client stores the whole form to your account (it follows you across devices). Saving the same name again overwrites it.
- The dropdown loads any saved client back — the label shows whether it was a Proposal or Comparison.
- Reset clears everything for a fresh start.
- Profiles are private to you — agents never see each other's saved clients.
Rules & good practice
- Verify before you present — especially the loan amount, ABSD, and any tax estimate.
- The agent brief is internal only — never hand it to a client.
- Don't promise outcomes — frame plans as illustrations of what's possible.
- Comply with CEA & PropNex guidelines, including the 2% commission guideline.