Which tool do you need?
Start with whatever you're stuck on. Enter your numbers once, and every calculator on this page picks them up automatically.
| If you are asking | Use | The rule it applies |
|---|---|---|
| What can we afford? | Affordability and max loan | TDSR 55%, MSR 30%, tested at 4% |
| What if our income falls short? | Pledge or show funds | MAS Notice 645, assets counted over 48 months |
| How much equity can I cash out? | Equity term loan | 75% of valuation, less loan and CPF |
| How much tax on this deal? | Stamp duty | IRAS BSD, ABSD and SSD tiers |
| When do I pay what? | Progressive payment | The ten stages in the Housing Developers Rules |
| Is decoupling worth the cost? | Decoupling | IRAS stamp duty on the transferred share, plus CPF refund |
| What yearly return can this purchase make? | New launch ROI | 149,329 real resale exits, plus the exit tax |
| How does my shortlist compare, side by side? | New launch comparison | URA developer sales and land tender results, plus our own launch-price estimates |
Borrowing capacity
What a lender will let you borrow, and what closes the gap when your income isn't enough to support the full loan.
Affordability & Max Loan
Start here. Your maximum loan and property price, under TDSR 55%, MSR 30% for HDB and new ECs, stress-tested at 4%. Works for one or two buyers. The calculator works out your loan the same way a bank would — only part of your bonus income counts.
Pledge / Unpledge
Not enough income to qualify? See exactly how much more income you need, and how much to pledge or show to close the gap. Pledge SGD deposits, show funds for 30% to count, or use a mix of both.
Equity Term Loan
Your max cash-out on a private property. Take 75% of the property's bank valuation, then subtract your loan and CPF claims. It also shows the 50% you can borrow without an income check. The full loan is repaid in cash; CPF cannot be used.
Cost and returns
What buying or selling a property costs, and the yearly return the property makes.
Stamp Duty (BSD, ABSD & SSD)
Both buyer taxes, broken out tier by tier. It works for joint purchases and applies the trade-agreement rules for some foreign nationals. It also covers the seller's tax that changed in July 2025.
Progressive Payment Schedule
Every payment stage on a new launch, from booking to legal completion, on one timeline. It splits each stage into cash, CPF and loan. It also shows how your instalment grows as the building rises.
Decoupling
Both sides of the deal — the tax on the transferred share, the staying owner's deposit and new loan, and the exiting owner's CPF refund and cash payout — compared with the ABSD you'd save on your next purchase. Decoupling only makes sense if the ABSD saved is larger than the cost of decoupling.
New Launch ROI
Your return on a new launch. It accounts for your upfront cash and stamp duty, rent after costs, loan interest, and the cost of selling. It also includes SSD if you sell within four years of purchase — the rate drops each year, from 16% down to zero.
Comparison
Not a calculator. Compare your shortlisted launches side by side on the same set of measures.
All seven calculators run on one engine. A stamp duty figure inside the ROI calculator uses the same calculation as the Stamp Duty calculator on this page. When a rate changes, every tool changes with it.
