The financial toolkit
Clarity, calculated.
Understand what you can borrow, what you’ll repay and what a purchase costs. A practical starting point for a more informed decision.
Calculator inputs stay in your browser. No account or personal details required.
Mortgage repayment
A clear view of your monthly commitment and the interest over the life of your loan. Change the figures to compare scenarios.
The amount you intend to borrow, after your downpayment.
Illustrative rate, not a lender quotation. Replace it with your own assumption.
Estimated monthly repayment
$4,742
Principal borrowed
$1,000,000
Total interest
$422,634
Total repaid
300 monthly instalments
$1,422,634
Outstanding balance over time
Based on a constant rate and fully amortising monthly payments.
Illustrative estimate. Rates remain constant for the calculation; fees, insurance and rate changes are excluded. Not an offer or an approval. Rules reviewed 5 October 2026.
Stamp duty on your purchase
Estimate Buyer’s Stamp Duty and applicable Additional Buyer’s Stamp Duty. Duties are based on the higher of the purchase price and market value.
Count any interest held in a Singapore residential property, including joint or partial ownership.
Estimated total stamp duty
$44,600
Dutiable value
Higher of price and market value
$1,500,000
Buyer’s Stamp Duty (BSD)
$44,600
Additional Buyer’s Stamp Duty
0% · Singapore Citizen
$0
Show the BSD calculation
| Taxable portion | Rate | Duty |
|---|---|---|
| $180,000 | 1% | $1,800.00 |
| $180,000 | 2% | $3,600.00 |
| $640,000 | 3% | $19,200.00 |
| $500,000 | 4% | $20,000.00 |
BSD bands effective 15 February 2023; ABSD rates effective 27 April 2023. Each applicable duty is rounded down to the nearest dollar, minimum S$1. Confirm remissions and the actual liability with IRAS BSD and IRAS ABSD before a purchase.
TDSR & borrowing capacity
See the share of assessed income going towards debt, and estimate the mortgage amount that fits the debt-servicing limits.
12-month average. Only 70% is counted.
Car, personal, renovation, card and other obligations.
Do you guarantee a property loan?
20% counted; your lender may use more.
The new residential mortgage is assessed at max(4%, thereafter rate). Income is before tax, excluding employer CPF. For joint borrowers, enter combined income and debt. The same discounted income is used for the optional MSR planning view.
Estimated Total Debt Servicing Ratio
52.32%
52.32% · within the 55% threshold
Recognised monthly income
$12,000
New payment assessed at 4.00%
$5,278
Total counted monthly debt
$6,278
Estimated maximum new loan from debt limits
$1,060,934
TDSR is the binding limit. Before LTV, borrower-age, tenure and lender credit restrictions.
Planning estimate, not loan approval. No asset-income conversion, debt-sale exclusions or regulatory exemptions are modelled. Banks may apply larger income haircuts and stricter credit criteria. MAS: calculating TDSR.
Refinancing: costs versus savings
Compare your current mortgage with an alternative. Include the costs of moving, not just a lower headline rate.
Example only. Enter quoted legal, valuation, penalty and subsidy-clawback costs.
A lower payment can come from a longer term, not a cheaper loan. The comparison assumes both rates remain constant; floating-rate risk and lock-in terms are not modelled.
Monthly payment difference
$415
Current monthly payment
$4,940
New monthly payment
$4,525
Current remaining interest
$404,241
New total interest
$294,591
Lifetime saving after switching costs
$107,150
Simple cash-flow cost recovery
7 months
A positive saving under these assumptions is not a recommendation to refinance. Check the actual offer and lock-in conditions.
Simple cost recovery = switching costs ÷ positive monthly payment difference, rounded up. No recovery if the payment does not fall. Assumes unchanged rates and excludes time value of money and future penalties. This is an estimate, not a rate quotation.
Illustrative planning tools, not advice or an offer of credit. Rates and regulatory rules may change. Check lender eligibility and any applicable relief before relying on a result.
Rules reviewed 5 October 2026