CPF · HDB · Silver Generation · LBS 2026

HDB Lease Buyback Scheme (LBS) Calculator Singapore 2026
LBS Proceeds, CPF LIFE Payout & Cash Bonus by Flat Type

Calculate how much cash you can unlock from your HDB flat’s remaining lease under the Lease Buyback Scheme — including LBS proceeds, flat-type cash bonus, net amount to CPF Retirement Account, and estimated monthly CPF LIFE payout for your retirement.

✅ All Flat Types ✅ LBS Cash Bonus ✅ Retained Lease Slider ✅ CPF LIFE Payout Estimate ✅ Free — No Login
Minimum Age65 years old
Min Retained Lease20 years
Eligible FlatsAll HDB Types
1-2 Room BonusS$30,000
3-Room BonusS$20,000
4-Room BonusS$10,000
LBS Inputs
Select Flat Type
years
S$

Use the current HDB valuation of your flat (from HDB valuation exercise or recent transaction data). LBS proceeds are based on this figure.

years

Check the remaining lease on your flat title or via HDB’s MyHDBPage on Singpass.

30 years retained
20 yrs (min)← Drag to adjust →60 yrs

CPF recommends retaining enough lease to cover the youngest owner to age 95. Less retained = more proceeds, but shorter time in your flat.

S$

If any HDB loan remains, it is cleared from LBS proceeds first. Most seniors participating in LBS have fully paid off their mortgage.

S$

Include your current Retirement Account balance to see the total CPF LIFE payout from all sources combined.

LBS Results
🏡

Enter your flat type, age, market value, remaining lease, and how much lease to retain. The slider lets you compare how selling more years increases your monthly CPF LIFE payout.

Proceeds Flow: Flat Value → LBS → RA → CPF LIFE

Understanding the HDB Lease Buyback Scheme 2026 — How Seniors Monetise Their HDB Flat Lease for Retirement Income

The Lease Buyback Scheme (LBS) is a government scheme that allows eligible elderly Singapore Citizens to sell a portion of their HDB flat’s remaining lease back to HDB in exchange for a lump sum cash payment, which is then used to top up their CPF Retirement Account (RA) and join CPF LIFE for a monthly retirement income. Owners continue to live in their flat for the duration of the lease they retain.

LBS is particularly well-suited for seniors who are asset-rich but cash-poor — owning a valuable HDB flat but having limited CPF savings or other retirement income. Unlike renting out rooms or taking in lodgers, LBS does not change daily living arrangements or require managing tenants. The monthly CPF LIFE payout provides a guaranteed income for life, regardless of how long you live.

LBS Cash Bonus by Flat Type — Enhanced Government Support for Seniors Singapore 2026

Flat TypeLBS Cash BonusGoes IntoEligible Households
1-Room / 2-RoomS$30,000CPF RA (then CPF LIFE)SC aged ≥65, sole property
3-RoomS$20,000CPF RA (then CPF LIFE)SC aged ≥65, sole property
4-RoomS$10,000CPF RA (then CPF LIFE)SC aged ≥65, sole property
5-Room & ExecutiveNo bonus—SC aged ≥65, sole property

How the LBS Proceeds Are Calculated — Proportional Lease Value Formula

LBS proceeds are calculated proportionally based on the fraction of the remaining lease being sold:

Gross LBS Proceeds = (Years Sold ÷ Total Remaining Lease) × Current Market Value

For example: A 3-room flat valued at S$350,000 with 55 years remaining lease. If the owner retains 30 years and sells 25 years: LBS proceeds = (25 ÷ 55) × S$350,000 = S$159,091. After clearing any outstanding HDB loan, the net amount goes into the CPF RA to join CPF LIFE.

How This LBS Calculator Works — Retained Lease, Proceeds Formula & CPF LIFE Payout Estimate

Step 1 — Choose Flat Type for Cash Bonus and Enter Property Details

Select your flat type — the LBS cash bonus varies from S$10,000 (4-room) to S$30,000 (1-2 room) and goes directly into your RA. Enter the current market valuation, remaining lease years, and your age to set the eligibility context.

Step 2 — Adjust the Retained Lease Slider to See Proceeds vs Protection Trade-off

The slider is the key interactive feature: more years retained means less lease sold, lower proceeds, but longer time in your home. Less retained means higher proceeds and higher monthly CPF LIFE payout — but the flat lease expires sooner. CPF Board recommends retaining enough lease to cover the youngest owner to at least age 95 where possible.

Step 3 — See CPF LIFE Monthly Payout from LBS + Existing RA

Net LBS proceeds, any existing RA balance, and the flat-type bonus are combined to estimate the total RA for CPF LIFE. The estimated monthly payout uses a simplified CPF LIFE Standard Plan payout factor. For an accurate payout projection, use CPF Board’s official CPF LIFE Estimator at my.cpf.gov.sg.

3 Real Singapore LBS Examples — Mature 3-Roomer, 4-Room Senior Couple & 2-Room Elderly Widow

Example 1: 3-Room Flat, Age 70

Flat ValueS$320,000
Remaining Lease50 years
Retained / Sold25 / 25 yrs
Gross Proceeds (50%)S$160,000
+ Bonus (3-Room)+S$20,000
Est. Monthly Payout~S$1,404/mo

Example 2: 4-Room Couple, Age 67 & 65

Flat ValueS$450,000
Remaining Lease60 years
Retained 30 / Sold 3030 / 30 yrs
Gross Proceeds (50%)S$225,000
+ Bonus (4-Room)+S$10,000
Est. Monthly Payout~S$1,833/mo

Example 3: 2-Room Widow Age 75

Flat ValueS$180,000
Remaining Lease45 years
Retained 20 / Sold 2520 / 25 yrs
Gross Proceeds (56%)S$100,000
+ Bonus (1-2 Room)+S$30,000
Est. Monthly Payout~S$1,014/mo

3 Expert Tips on HDB Lease Buyback Scheme — Maximising Payout, Retained Lease Strategy & SHB Stacking

1

Sell More Lease for More Monthly Income — But Retain Enough for Comfort

The LBS proceeds increase linearly with the proportion of lease sold. Selling 40 years vs 20 years of a 60-year remaining lease doubles your proceeds and roughly doubles your CPF LIFE monthly payout. However, retaining less lease means your flat’s lease could expire before you — though HDB provides assurance through the Lease Top-Up arrangement. Most financial planners recommend retaining at least 20–25 years unless you are above age 80, and retaining enough to cover yourself to age 95 where possible. Use the slider to find your personal sweet spot between immediate income and long-term housing security.

2

Stack LBS with the Silver Housing Bonus for Maximum Retirement Cash

The LBS is often confused with the Silver Housing Bonus (SHB) — they are separate but complementary. LBS lets you sell part of your current flat’s lease while staying put. SHB is for seniors who sell their current HDB flat entirely and buy a smaller one, receiving a cash bonus of up to S$30,000 (for 4-room or smaller). If you are prepared to downsize, SHB can provide significantly more proceeds than LBS. However, if you wish to age-in-place without moving, LBS is the right tool. Discuss both options with HDB at a financial counselling session before deciding.

3

Use CPF Board’s Financial Counselling Session Before Applying

LBS is an irreversible transaction — once HDB buys back the lease portion, you cannot reclaim it. Before applying, CPF Board requires all owners to attend a mandatory financial counselling session to ensure you understand the implications, especially around CPF LIFE plan selection and the retained lease coverage. These free sessions are available at CPF Board Service Centres and cover your specific RA balance, projected payouts, and whether LBS or SHB is more suitable for your situation. Bring your HDB loan statement, CPF statement, and flat valuation letter to the session.

16 FAQs — HDB Lease Buyback Scheme, LBS Proceeds, Eligibility & CPF LIFE Payout Singapore 2026

What is the HDB Lease Buyback Scheme and how does it work?+
The Lease Buyback Scheme (LBS) allows eligible HDB flat owners aged 65 and above to sell a portion of their flat’s remaining lease back to HDB. HDB pays the owners based on the market value of the lease sold. The proceeds go into the owners’ CPF Retirement Account (RA), where they join CPF LIFE for a monthly retirement income for life. The owners continue living in the flat under the retained lease they choose to keep — typically 20 to 35 years. LBS is administered jointly by HDB and CPF Board.
Who is eligible for the Lease Buyback Scheme in Singapore 2026?+
To participate in LBS, all owners must: (1) be Singapore Citizens; (2) have at least one owner aged 65 or above; (3) own only one HDB flat (no other private property); (4) have lived in the flat for at least five years; (5) the flat must have a remaining lease of at least 20 years. There is no income ceiling for LBS. All HDB flat types (1-room to Executive) are eligible. If there is an outstanding HDB loan, it will be cleared from the LBS proceeds first.
How much can I receive from the Lease Buyback Scheme?+
LBS proceeds = (Years of Lease Sold ÷ Total Remaining Lease) × Current Market Valuation. For a flat valued at S$350,000 with 55 years remaining: selling 25 years = (25/55) × S$350,000 = S$159,091. The more lease sold, the higher the proceeds. Additionally, eligible flat types receive a government cash bonus: S$30,000 for 1-2 room, S$20,000 for 3-room, and S$10,000 for 4-room flats. These bonus amounts are indicative — verify current amounts at hdb.gov.sg/lbs.
What is the minimum and maximum lease I must retain under LBS?+
The minimum retained lease is 20 years. There is no absolute maximum — you can retain more if you prefer. CPF Board recommends retaining enough lease to cover the youngest owner to at least age 95 (i.e., retain at least 95 − youngest owner’s age, in years). For a 68-year-old, this means retaining at least 27 years. However, if the flat’s remaining lease does not allow this (e.g., 45 years remaining), you may retain as little as 20 years with CPF Board’s approval and understanding of the implications.
Can I continue to live in my flat after participating in LBS?+
Yes. You continue to live in your flat for the full retained lease period. If you retain 30 years, you can live there for another 30 years. HDB also has a lease top-up arrangement: if you live beyond the retained lease period, HDB will provide arrangements to ensure you can continue to live in the flat for your lifetime. This ensures that LBS does not risk rendering any elderly owner homeless, even if they outlive the retained lease.
How are the LBS proceeds paid — cash, CPF, or both?+
The net LBS proceeds (after clearing any outstanding HDB loan) are deposited into your CPF Retirement Account (RA). They are not paid in cash directly. The CPF RA is used to join CPF LIFE, which provides a monthly payout for life. The LBS cash bonus (for 1-room to 4-room flats) is also credited into your RA. If your RA already holds the Full Retirement Sum (FRS), excess proceeds may be paid in cash — check with HDB at your counselling session.
What happens to my CPF LIFE payout — does LBS increase it?+
Yes. LBS proceeds top up your CPF RA, which increases the premium used for CPF LIFE. A higher RA balance translates directly to a higher monthly CPF LIFE payout for life. The exact payout depends on your RA balance, age when CPF LIFE kicks in, and the plan chosen (Standard/Escalating/Basic). Use CPF Board’s official CPF LIFE estimator at my.cpf.gov.sg for a personalised figure — the estimate in this calculator is indicative only.
Can my spouse or children participate in LBS with me?+
For joint flat owners (e.g., husband and wife), all owners must consent to participate in LBS and all must meet the eligibility criteria (all must be Singapore Citizens; at least one must be aged 65 or above). The LBS proceeds are split proportionally based on ownership shares and credited to each owner’s individual CPF RA. Children who are co-owners but do not meet the eligibility criteria (e.g., aged below 65) may need to be decoupled from the flat ownership before LBS can proceed.
What if my flat still has an outstanding HDB loan?+
If there is an outstanding HDB loan, the LBS proceeds are used to first clear the remaining loan in full. Only the net amount after loan repayment goes into your CPF RA. Most LBS applicants have fully repaid their HDB loans by retirement age, but for those who haven’t, LBS can serve the dual purpose of clearing the mortgage while providing retirement income. You cannot participate in LBS if the outstanding loan exceeds the LBS proceeds — the net amount to RA must be positive.
What is the difference between LBS and the Silver Housing Bonus (SHB)?+
Both schemes help seniors monetise their HDB flat for retirement, but they differ fundamentally: LBS lets you sell part of your current flat’s lease and stay in it. Silver Housing Bonus (SHB) requires you to sell your current HDB flat entirely and buy a smaller replacement flat (3-room or smaller), receiving a cash bonus of up to S$30,000 in your RA. SHB typically generates higher proceeds (from the full flat sale minus the smaller replacement), but requires relocation. LBS is suitable for those who want to age-in-place; SHB for those willing to downsize.
Does LBS affect my HDB flat’s eligibility to be rented out?+
After LBS, you retain ownership of the flat for the retained lease period and your existing HDB tenancy rules continue to apply. Renting out rooms (subletting) remains subject to the usual HDB approval process — LBS does not affect or remove this right. However, renting out the entire flat is generally not permitted while you are the owner under the retained lease, as HDB requires you to occupy the flat (the same residency requirement applies during the retained lease period as when you first owned the flat).
How does LBS interact with the Minimum Occupation Period (MOP)?+
LBS eligibility requires you to have lived in the flat for at least 5 years — this is consistent with the standard HDB MOP requirement. If you bought your flat (resale or BTO) and have satisfied the MOP (5 years for BTOs), you are already clear of this requirement. For seniors in resale flats, the 5-year residency requirement under LBS is typically satisfied easily given the age threshold of 65. LBS participation does not restart any MOP — you continue to own and occupy the flat under the retained lease.
Can I change my mind after applying for LBS?+
LBS is a significant, largely irreversible transaction once HDB has bought back the lease. There is a cooling-off period after the In-Principle Approval (IPA) where you can still withdraw — HDB and CPF Board will advise you of the specific timeline during counselling. Once the transaction is completed (HDB pays and CPF RA is credited), you cannot undo the LBS. This is why the mandatory financial counselling session is critical — take the time to understand all implications, compare with SHB, and consult family members before proceeding.
Does the LBS cash bonus affect my means-tested subsidies (e.g. ComCare, CHAS)?+
The LBS cash bonus goes into your CPF RA (not cash in hand), so it does not directly affect your liquid assets or income for most means-testing purposes. However, the increased CPF LIFE monthly payout from LBS proceeds may be counted as income in means-tested assessments (since CPF LIFE payouts are a regular income stream). If you receive ComCare, Medifund, or CHAS benefits, check with the administering agency (Ministry of Social and Family Development or CHAS helpdesk) on how increased CPF LIFE payouts affect your eligibility before participating in LBS.
What is the Lease Top-Up arrangement and is it free?+
The Lease Top-Up arrangement is HDB’s assurance that LBS participants will not be left homeless if they outlive the retained lease. If an LBS owner is still alive when the retained lease expires, HDB will arrange for the owner to continue living in the flat — either through a new short lease arrangement or alternative public housing. This top-up arrangement is provided at no additional cost to LBS participants. It addresses one of the biggest concerns families have about LBS: the risk of running out of lease before passing away.
Where do I apply for LBS and what documents do I need?+
Apply for LBS at any HDB Hub branch or via the HDB website at hdb.gov.sg/lbs. You will need to bring: NRIC for all flat owners, HDB flat title and lease documents, CPF statements for all owners, bank account details (for any cash payout), and any existing private insurance documents. HDB will arrange a mandatory financial counselling session and a flat valuation before providing an In-Principle Approval (IPA). The entire process typically takes 3–6 months from application to completion.

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Legal Disclaimer & Editorial Transparency. The HDB Lease Buyback Scheme Calculator on SGFinanceCalculators.com uses the proportional lease value formula: LBS Proceeds = (Years Sold ÷ Remaining Lease) × Market Value. This is a simplified calculation — HDB may apply a different valuation methodology based on the flat’s location, condition, and market comparables. LBS cash bonus amounts (S$30,000 / S$20,000 / S$10,000) are indicative and subject to change at each Budget — verify current amounts at hdb.gov.sg/lbs. CPF LIFE monthly payout estimates use a simplified factor and do not account for actual RA balance growth, plan type, or CPF LIFE interest crediting. Eligibility conditions, minimum retained lease rules, and income limits are subject to change. This tool is for planning purposes only — attend a mandatory HDB financial counselling session before applying. Not financial or legal advice. Operated by MAFHH INTERNATIONAL LTD.