Five Steps from Uncertainty to Clarity
LEVR™ doesn't hide complexity. It makes it visible, transparent, and shareable. Here's how property agents use LEVR™ to guide clients from uncertainty to confident commitment.
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Step 1
Make Assumptions Explicit
Every strategy starts with assumptions. LEVR™ surfaces them: interest rates, property values, ABSD rates, TDSR limits, CPF balances, MOP/SSD constraints. Clients see exactly what drives the recommendation.
- Income and affordability inputs
- Interest rate scenarios (current + stress-test)
- ABSD, TDSR, MOP, SSD as visible constraints
- CPF balances and refund obligations
- Interactive guided tours walk you through every feature. No manual needed.
- Every calculation traceable: see exactly how Net Proceeds and Strategic Gap are derived
Strategy Transparency View
Input Assumptions
Monthly Income
$12K
Property Value
$1M
Interest Rate
3.50%
CPF Balance
$100K
Transparent Constraints
Every Assumption, Visible
TDSR Limit
$7K
Max monthly repayment
Loan Amount
$900K
75% LTV financing
CPF Usage
$100K
Available for down payment
ABSD Tax
$0
No ABSD for 1st property
Total Cash Required
$200K
Down payment - CPF usage.
Step 2
Test Scenarios with Live Changes
Change an assumption, see the impact instantly. "What if rates go up 1%?" "What if I sell in 3 years instead of 5?" LEVR™ recalculates TDSR, Net Proceeds, and Strategic Gap in real-time. No overnight spreadsheet rebuilds. The math is immediate and transparent.
- Live scenario branching with TDSR recalculation
- Compare multiple scenarios side-by-side
- Instant recalculation across time horizons
- Worst-case visibility: see how strategies perform under adverse conditions, not just ideal ones
Test Scenario
Scenario Stress Test
Base Case
3.5%Max Affordable
$1M
Net Proceeds
$275K
Stress Test
4.5%Max Affordable
$1M
-$136K
Net Proceeds
$247K
-$27K
Strategy Under Stress
This scenario reduces affordability. Real-time recalculation shows exact impact. No surprises.
Change one assumption, see instant impact. LEVR™ recalculates TDSR, Net Proceeds, and Strategic Gap in real-time. The math is immediate and transparent.
How It All Connects
Strategy → Scenario → What-If
Every client engagement starts with a Strategy. Each Strategy branches into Scenarios, each representing a different path forward. And each Scenario can be stress-tested with What-If variations. This hierarchy keeps complex decisions organised and comparable.
Strategy
Sarah Chen — HDB to Private Upgrade
Buy private condo at $1.2M
Buy first, sell HDB within 6 months
ABSD
$240K
Monthly
$4,500
Timeline
Now
What-Ifs
EC post-MOP upgrade at $1.4M
Wait for MOP, avoid ABSD
ABSD
$0
Monthly
$5,300
Timeline
3 yrs
What-Ifs
One Strategy. Multiple Scenarios. Unlimited What-Ifs. One Strategy. Multiple Scenarios. Unlimited What-Ifs. The structure mirrors how property decisions actually unfold: not as a single calculation, but as a tree of possibilities.