Calculators
Interactive tools for Singapore property & financing decisions.
SG Residential · Buyers
Affordability
Cashflow & cash-call planner: monthly mortgage split between CPF OA and cash, net cash needed after CPF, and a dated cash-call schedule from your option date.
All buyer profiles · SG
Reverse Affordability
Enter your dream home price and see exactly what cash, CPF, and income you need, with stamp duty breakdown, downpayment split, TDSR check, and your shortfall to bridge.
MAS TDSR & MSR
Eligibility Checker
Check a new home loan against the 55% TDSR cap (and 30% MSR for HDB/EC), covering income haircuts, existing commitments, headroom, and your maximum loan size.
Mortgage · Amortization
Mortgage Repayment
Estimate your monthly mortgage payment and see a yearly breakdown of principal versus interest over the life of the loan.
SG Residential · Sellers
Sales Proceeds
Estimate your net cash after repaying the loan, returning CPF with accrued interest, paying Seller's Stamp Duty (if applicable), agent commission, and legal fees.
SG Residential · Holding Cost
Property Stagnation
Discover the hidden cost of a non-appreciating property. See the minimum sale price to break even, factoring in CPF accrued interest, loan interest, stamp duty, and renovation.
Stamp Duty · SG
Stamp Duty
Calculate Buyer's Stamp Duty across all six brackets and Additional Buyer's Stamp Duty for SC, SPR, foreigner, and entity buyers, with per-bracket breakdown.
Mortgage · SG Residential
Refinance Savings
Compare your current mortgage rate against a new offer. See monthly savings, break-even period, and total interest saved after switching costs.
SG Residential · Joint Owners
Sell One, Buy Two
Sell the jointly-owned property and each owner buys separately as a first-time buyer. See BSD on both new purchases and ABSD savings versus staying joint.
SG Residential · Joint Owners
Decoupling
One owner transfers their share so the other can buy a second property as a first-time owner. Compare the BSD transfer cost against ABSD saved.
HDB · Private · SG
MOP / SSD Checker
Check if your HDB flat has met its 5-year Minimum Occupation Period, or calculate the Seller's Stamp Duty rate and amount for a private property sale.
SG Residential · Upgraders
Buy First or Sell First?
Compare buying before selling (ABSD upfront, ~1% absorbed after remission) against selling first and renting a bridge. Find the cheaper path for upgraders.