Calculator & Property IQ Quiz
Estimate your repayment, stamp duty and MSR/TDSR limits — then see how buyer-ready you are.
Your Estimate — and What Each Number Means
What leaves your pocket (cash and/or CPF OA) every month.
What you borrow after the down payment. A smaller loan means less interest — forever.
Bank loans: at least 5% of the price must be cash, the rest can be CPF OA. HDB loans: the full down payment can come from CPF.
A tiered 1–6% tax due within 14 days of signing — budget it on top of your down payment. CPF OA can usually cover it.
The price of borrowing over the full tenure. A shorter tenure cuts this sharply — at the cost of a higher monthly.
Loan plus all interest — what the borrowed portion really costs by your final payment.
Educational estimate — not financial advice. Rates, stamp duty tiers and CPF rules change often; verify with IRAS, HDB, MAS and CPF Board, or a licensed banker/broker, before committing. Presets last checked — · a non-dev can update them in the ASSUMPTIONS block of this file.