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Mortgage repayment calculator

See what a home loan costs each month at the rate you expect, and at the 4% stress-test rate banks use to decide how much they can lend.

Your numbers stay in this browser. The calculator works on your device. It does not save your numbers or send them anywhere. They are only sent if you tick "Send my numbers" in the form at the end of this page and submit it.

The loan

Optional. Used to show the loan as a share of the price and the downpayment.

The rate you expect to pay. Not a bank quote.

Optional. For joint borrowers, use the income-weighted average age.

Result

Worked example

Monthly instalment at 1.5%

$4,499

$1,125,000 over 25 years

Stress-test instalment

$5,938

At 4%. Banks use this to check your debt limits.

Total interest

$224,700

Over 25 years, if the rate stays the same

The loan in figures
Purchase price$1,500,000
Loan (75% of the price)$1,125,000
Downpayment$375,000
Of which in cash, at least (5% of the price)$75,000
Total repaid over the tenure$1,349,700
Interest in year 1$16,619
Each instalment repays more loan than interest fromYear 1
  • Banks check your debt limits at a 4% stress-test rate, not at the rate you pay. Rates change, so treat the total interest as an estimate.
Year by year
Repayments by year
YearInterestLoan repaidLoan left
1$16,619$37,369$1,087,631
2$16,054$37,934$1,049,697
3$15,481$38,507$1,011,191
4$14,900$39,088$972,102
5$14,309$39,679$932,424
6$13,710$40,278$892,146
7$13,102$40,886$851,260
8$12,484$41,504$809,756
9$11,857$42,131$767,626
10$11,221$42,767$724,859
11$10,575$43,413$681,446
12$9,920$44,068$637,378
13$9,254$44,734$592,644
14$8,578$45,410$547,234
15$7,892$46,096$501,138
16$7,196$46,792$454,347
17$6,490$47,498$406,848
18$5,772$48,216$358,632
19$5,044$48,944$309,688
20$4,305$49,683$260,005
21$3,554$50,434$209,571
22$2,793$51,195$158,376
23$2,019$51,969$106,407
24$1,234$52,754$53,654
25$438$53,654$0

A planning aid, not advice. It uses the rules shown below and the figures you enter. Banks, IRAS and CPF Board decide the actual figures for your case.

The rules behind the numbers

Each table shows where the rule comes from and when we last checked it against that source. Rules change: check the source before you commit.

Stress-test interest rate

The rate banks use to check your debt limits
RuleFigure used
Residential property4% a year

Loan limits and cash downpayment

The most a bank may lend, and the least you pay in cash, as a share of the price
Housing loans you haveLoan limitLonger loansCashCash, longer loans
None75%55%5%10%
One45%25%25%25%
Two or more35%15%25%25%

"Cash" is the least of the downpayment that must be paid in cash rather than CPF. The limits for longer loans apply when the loan tenure is more than 30 years (more than 25 years for an HDB flat), or when the loan runs past age 65. These calculators use the 30-year test for private homes; the HDB resale calculator uses 25 years for a bank loan on an HDB flat.

Planning figures

Figures used in the worked examples, and when a field is left blank
RuleFigure used
Interest rate1.5% a year
Loan tenure25 years

These are our own planning figures, not a bank quote and not a rule. Banks set their own rates; use the rate you are offered.

  • Our planning figures, last set on 16 August 2026.

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