Affordability Calculator
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Affordability Calculator What can you really afford?
Your maximum price under the banks' own rules — then every area, home type and new launch it reaches, in 3D.
Your maximum price
Income, debts, cash, CPF and age in — your real maximum price out, using TDSR 55%, MSR 30%, the 4% stress test, LTV and stamp duty.
What is holding you back?
Which rule caps you — income, cash or MSR — and exactly what would unlock another $100k.
Rate and tenure scenarios
Your maximum price at different interest rates and loan tenures.
Where you can buy
Every planning area where an HDB, EC, condo or landed home fits your maximum price.
New launches you can afford
Every unit type of every launch checked against your maximum price.
Your day-one cash
At your maximum price: cash, CPF, stamp duty and the monthly instalment.
Where to next
Your numbers travel with you.
Keep going
13 guides and tools, one journey
Affordability Calculator
Classic calculator
Uses the same TDSR (55% of income) and MSR (30% of income, HDB/EC only) limits banks and HDB actually apply, and the same 4% p.a. stress-test rate MAS requires banks to assess new loans against — not today's real interest rate. For your likely real monthly payment at current rates, use the Mortgage Calculator afterwards.
| Maximum (TDSR/MSR limit, 4% stress rate) | Comfortable (a more conservative estimate) | |
|---|---|---|
| Monthly instalment | ||
| Loan amount | ||
| Property price |
This is a planning estimate, not a loan pre-approval. Your bank or HDB will assess your actual eligibility, including your real LTV limit, credit history and any other outstanding loans.
HDB figures are from resale transactions published by HDB on data.gov.sg; private figures are from URA's published caveats (last 12 months unless stated). Loan, grant, stamp duty and eligibility figures use the rules published by MAS, HDB, CPF Board and IRAS as summarised in these guides, and can change — HDB, CPF Board, IRAS and your bank make their own assessment. Estimates and illustrations are labelled as such. Your answers are saved only in this browser. Nothing here is financial advice.