Mortgage Calculator
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Mortgage Calculator Your mortgage, in 3D
Instalments, stress tests, HDB vs bank, and a reverse calculator that lights up the areas your monthly budget reaches.
Your instalment
Loan, rate and tenure in; monthly instalment, total interest and a year-by-year paydown chart out.
Stress test
What happens if rates rise 1% or 2% — and the income a bank wants at the 4% stress rate.
Short loan or long loan?
15 to 35 years compared: monthly payment against total interest.
HDB loan vs bank loan
The 2.6% HDB loan against your bank rate on the same flat.
What does my monthly budget buy?
Start from what you are happy to pay each month; we work back to a price and light up the areas it reaches.
Pay a little extra
Add a monthly top-up and see how many years and how much interest you save.
Where to next
Keep going.
Keep going
13 guides and tools, one journey
Mortgage Calculator
Classic calculator
The default rate below (1.34% + 0.65% = 1.99%) uses the real, latest published 3-month compounded SORA (1.34%, as of 2026-11-06) plus an illustrative bank spread — most floating-rate mortgage packages in Singapore are pegged to this same reference rate. Change either number, or the rate itself, to match a package you're actually looking at.
| Rate scenario | Monthly instalment | Total interest | Total repayment |
|---|
The +1% and +2% rows show what your instalment would look like if the rate rose — a common way to stress-test your own budget before committing, since rates can and do change over a 20-30 year loan.
This shows the instalment for your inputs, not whether it fits your bank's TDSR/MSR eligibility limits — use the Affordability Calculator for that.
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.