Property calculations
Property calculators
Work out what buying or selling a Singapore home costs: purchase costs, stamp duty, loan limits, sale proceeds, CPF refunds and more. Each calculator shows a worked example, the rules it uses and where each rule comes from.
Your numbers stay in your browser. The calculators work on your device and do not save or send what you type, unless you choose to send your numbers to a consultant.
Buying costs
- Private property purchase costsWork out what it costs to buy a completed private home in Singapore: the downpayment and the part that must be cash, stamp duty, fees and the monthly instalment.01Open the calculator
- HDB resale flat purchase costsWork out the cash and CPF needed to buy an HDB resale flat after CPF housing grants, with an HDB loan or a bank loan, the stamp duty and the monthly instalment.02Open the calculator
- New launch progressive paymentsSee what you pay at each stage of a new launch under construction, how much comes from you before the loan starts, the stamp duty, and the interest before the home is ready.03Open the calculator
Stamp duty
- Stamp duty calculatorWork out the total stamp duty on a Singapore home purchase: buyer's stamp duty and any additional buyer's stamp duty, for one or two buyers.04Open the calculator
- Buyer's stamp duty calculatorWork out the buyer's stamp duty on a Singapore property, band by band, with the IRAS rates in force from 15 February 2023.05Open the calculator
- Additional buyer's stamp duty calculatorWork out ABSD on a Singapore home for citizens, permanent residents, foreigners, companies and trusts, including joint buyers with different profiles.06Open the calculator
- Seller's stamp duty calculatorWork out seller's stamp duty when you sell a Singapore home within the holding period, with the rates for homes bought before and after 4 July 2025.07Open the calculator
Loans and budget
- Maximum purchase price calculatorWork out the highest price your income supports for a Singapore home, then check whether your cash, CPF and sale proceeds cover the downpayment, stamp duty and fees.08Open the calculator
- TDSR and MSR calculatorWork out the largest home loan your income supports under the total debt servicing ratio (TDSR) and, for HDB flats and new ECs, the mortgage servicing ratio (MSR).09Open the calculator
- Mortgage repayment calculatorWork out the monthly instalment on a Singapore home loan, the stress-test instalment banks assess it on, and the interest over the whole loan.10Open the calculator
Selling
- Condo sale proceedsWork out the cash you get from selling a condo or other private home in Singapore, after the loan, the CPF refund, agent and legal fees, and any seller's stamp duty.11Open the calculator
- HDB flat sale proceedsWork out the cash you get from selling your HDB flat, after the loan, the CPF refund with accrued interest and the selling costs, and check the minimum occupation period.12Open the calculator
- CPF accrued interest calculatorEstimate the CPF you must refund when you sell your home: the CPF used plus the interest it would have earned in your Ordinary Account, worked out month by month.13Open the calculator
Comparing and investing
- New launch vs resaleCompare buying a new launch under construction with buying a resale home: rent while you wait, interest, holding costs, selling costs and growth over the years you hold.14Open the calculator
- Buy vs rentCompare owning a home with renting one over the years you plan to stay: interest, maintenance and stamp duty against rent, less the growth in value you keep as an owner.15Open the calculator
- Rental yield calculatorWork out the gross and net rental yield on a Singapore property from its price, the monthly rent and the monthly costs of letting it.16Open the calculator
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