28 Districts Tools

Property Calculators

Plan your next move with the numbers that matter in Singapore: monthly instalments, how much you can borrow, stamp duties, cash and CPF needed, rental returns, and what is left after you sell.

Mortgage repayment

Your monthly instalment and how much goes to interest.

Property price

Loan amount (% of price)

Loan amount

Type your own figure to override.

Interest rate (% a year)HDB loan is 2.6%. Bank packages vary.

Loan tenure (years)

Monthly instalment

–

PrincipalInterest

Year-by-year breakdown

Year	Principal	Interest	Balance

How much can I borrow?

Based on the TDSR and MSR rules banks and HDB use.

Property type

Loan from

Combined gross monthly income

For variable income, banks count 70%.

Other monthly debts

Car loan, personal loans, other home loans.

Age of borrowerFor joint loans, banks use the income-weighted average age.

Loan tenure (years)

Housing loans you still have

Cash and CPF OA you can use

Actual interest rate (%)

You could buy up to about

–

Buyer’s stamp duties

BSD and ABSD on residential property.

Purchase price or valuation (higher of)

Buyer profileBuying jointly? Choose the profile with the highest rate.

This will be my

Seller’s stamp duty (SSD)

Payable if you sell within the holding period.

Selling price

Date you bought

Date you plan to sell

Total buyer’s stamp duty

–

Stamp duty must be paid within 14 days of exercising the Option to Purchase or signing the Sale and Purchase Agreement. BSD can be paid from CPF; ABSD is usually paid in cash first.

Downpayment and upfront costs

How much cash and CPF you need on day one.

Property price

Loan from

Housing loans you still have

Tenure over 30 years, or age + tenure over 65?

Buyer profile (for stamp duty)

This will be my

Cash you need at minimum

–

Rental yield

What your property earns each year, before and after costs.

Property price

Monthly rent

Months rented a yearAllow for gaps between tenants.

Maintenance fee / month

Property tax / year

Estimated at non-owner-occupied rates if left blank.

Other costs / year

Repairs, insurance, agent fees.

Mortgage interest / year

Optional, for cash-on-cash view.

Net rental yield

–

Sell and buy

What you take home from selling, and whether it covers your next home.

Selling price

Outstanding loan

CPF used, plus accrued interest

Check “Property withdrawal” on the CPF website.

Agent fee (%)GST of 9% is added.

Legal and other selling costs

SSD payable, if any

Next home price

Loan for next homePercentage of the next home price.

Other cash and CPF savings

Cash in hand after selling

–

Want exact figures for your situation? Our consultants can work out your loan, CPF and timeline, and check the latest bank rates for you.

WhatsApp our team

These calculators give estimates for planning only and are not financial advice. Rates and rules follow IRAS, MAS, HDB and CPF guidelines as at October 2026 (BSD and ABSD from 2023, SSD for purchases from 4 July 2025, TDSR 55%, MSR 30%, stress-test rates of 4% for bank loans and 3% for HDB loans). Banks and HDB make the final assessment.