Mortgage & TDSR Calculator
Find out your monthly repayment, whether you pass the TDSR stress-test at the MAS floor rate, and your maximum loan quantum.
Gross monthly income
All assessable income
$
Existing monthly debts
Car loan, credit cards, etc.
$
Property price
$
Loan-to-value (LTV)
Max 75% for private, 80% for HDB
%
Loan tenure
yrs
Interest rate
Actual rate for repayment calc
%
Property type
Monthly Repayment
at actual rate
Stress-test Repayment
at MAS 4% floor
TDSR
Loan Quantum
Full Affordability — Mortgage + Stamp Duties
Your complete cost picture: TDSR borrowing limit, then Buyer's Stamp Duty and ABSD layered on top. Know exactly what you can spend before you view.
Residency status
Property count
After this purchase
Gross monthly income
$
Existing monthly debts
$
Tenure
yrs
Target property price
$
Max Loan (TDSR)
BSD Payable
ABSD Rate
ABSD Amount
Cost ComponentAmountNotes
HDB Upgrade Affordability
Selling your HDB and moving up? See your estimated sale proceeds after CPF refund, resale levy, and agent fees — then check if you can afford the next property.
Expected sale price
$
Outstanding HDB loan
$
CPF used (principal + accrued interest)
$
Subsidised flat?
Bought from HDB with grant
Flat type (for levy)
Gross monthly income
$
Target property price
$
Next property type
Gross Proceeds
Cash in Hand
after loan + CPF refund + levy + fees
Max Loan (TDSR)
Shortfall / Buffer
Rental Yield Calculator
Gross yield is just the headline. This calculator strips out property tax, MCST maintenance, agent fees, and vacancy to show your true net return.
Purchase price
$
Monthly rent
$
MCST / maintenance fees
Per year
$
Property tax
Non-owner-occupied rate
$
Agent commission
Typically 1 month per year
$
Vacancy buffer
%
Misc / repairs
Per year estimate
$
Gross Yield
Net Yield
after all costs
Annual Gross Rent
Annual Net Income
New Launch — Progressive Payment Scheme
Every new launch has a payment schedule tied to construction milestones. See your stage-by-stage cash flow, financing instalments, and CPF/loan split before you sign.
Purchase price
$
Loan-to-value (LTV)
%
CPF available to use
$
Buyer profile
Loan Amount
Cash + CPF (downpay)
BSD
ABSD
Stage%AmountFunding
Seller's Stamp Duty (SSD) Calculator
Selling too early locks in a penalty. Enter your purchase date and target sale price to see exactly how much SSD you owe — and when the next rate drops to zero.
Property type
Date of purchase
Or date of contract
Sale price (or valuation)
Whichever is higher
$
Holding Period
SSD Rate
SSD Payable
Next Rate Drop
SSD window progress