🏠 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%
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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.