Property Tools
The Honest Calculator™

What does it really cost
to own a condo?

Most agents show you the price tag. This calculator shows you the full picture — every dollar you spend buying, holding and selling a private property.

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Your Property

Typically 75% of price for first property
3.5%
2.0%5.0%
5 years
1 yr15 yrs
Typically 1% of sale price
1.0%
0.5%2.0%
Break-Even Appreciation
S$—
needed to recover all costs
Max Risk / Month
S$—
if price stays flat

The ownership cost breakdown.

Renovation
Buyer's Stamp Duty (BSD)
Additional BSD (ABSD)
Purchase Legal Fee
Sale Legal Fee
Agent Commission (on sale)
Bank Interest
Maintenance (MCST)
Property Tax
Home Insurance
Total Cost · 5 Years
S$—
Enter your details on the left and the full cost picture will appear here.

This calculator is for informational purposes only and does not constitute financial, legal, or investment advice. Figures are estimates based on inputs provided and may not reflect actual costs. BSD and ABSD rates are based on current IRAS rates for residential property. Bank interest is estimated using a flat-rate approximation. Always consult a qualified professional before making any property decision. Should you need further clarification or help, please feel free to reach out to me.