🏠 Property Tools

Affordability Calculator

Check if you can afford a target property — or find out the maximum price you qualify for based on your income, CPF and savings.

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25 yrs
5yr101520253035yr
4.0%
1%2%3%4%5%6%
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Stress test rate: MAS requires banks to use a minimum 4% p.a. floor for TDSR/MSR calculations. Set the rate above to match your bank's assessment. Variable income is counted at 70% per MAS rules.

📊 Affordability Summary

TARGET PROPERTY PRICE
S$0
Loan Required (LTV%)
Min. Downpayment
→ CPF portion
→ Cash portion
Buyer's Stamp Duty (BSD)
ABSD (0%)
Total Cash / CPF Needed
🏦 Max Loan You Qualify For
💰 CPF + Cash (Downpayment & Costs)
📅 Est. Monthly Repayment
Disclaimer: This tool provides a general overview. Actual figures are subject to HDB/URA rules, CPF policies, bank assessments, and your individual circumstances. Always verify with your bank or a licensed advisor before committing.