Powered by AI · Updated 2026

Know exactly what you can afford
before the agent tells you

We do the CPF math, grant calculations, and loan gymnastics so you can walk into any viewing with your budget locked in. Free forever. No signup. No BS.

Calculate Your Budget Ask AI Advisor
9
Free Tools
Live
Gov.sg Data
100%
Free Forever
AI
Powered Insights
Tools

Your property toolkit

Every calculator you wish you had before your first viewing.

Built on data.gov.sg
Updated monthly
100% free
PDPA compliant

HDB Affordability

Your salary, your CPF, your actual budget — no bank visit needed.

Condo Affordability

Dream condo or pipe dream? Run the numbers in 30 seconds.

HDB-to-Condo Upgrade

Sell HDB, buy condo. We'll tell you if the math checks out.

HDB Valuation

What would your flat sell for today? Real transactions, real numbers.

ABSD & Stamp Duty

The tax bill nobody budgets for. Know yours before you sign.

Rental Yield

Is that investment property actually making money? Let's find out.

BTO vs Resale

Everyone says BTO is cheaper. We did the actual math.

Lease Decay

Your flat's ticking clock. See what it means for your wallet.

AI Property Advisor

Like having an agent friend — minus the commission.
How it works

We don't guess.
We calculate.

Our numbers come from official government data and current MAS and HDB regulations. No outdated blog posts. No "market sentiment." Just math. Always verify with HDB/MAS for the latest updates.

Straight from data.gov.sgReal HDB transactions, not estimates. Updated every month.
All the key rules, one calculatorMSR, TDSR, ABSD, BSD, CPF limits, grant tiers — all baked in.
Ask anything, get real answers"Can I afford a 4-room on $5K salary?" — instant, personalised.
Calculator

Let's run your numbers

Takes 30 seconds. We'll show you HDB loan, bank loan, grants, total cash needed, and things your agent won't mention.

Monthly payments only (not total balance). Include car loan, personal loan, study loan, credit card min payments.
Free Report

Want the full picture?

Get a personalised PDF with your affordability breakdown, grant eligibility, and flat recommendations — straight to your inbox in minutes.

No spam. Your data is handled in accordance with Singapore's PDPA.

How it works

The rules behind your budget

Singapore has some of the most complex property financing rules in the world. Here's what runs behind the scenes when you calculate.

HDB Loans

MSR — Mortgage Servicing Ratio

Monthly mortgage payment cannot exceed 30% of gross monthly income. Enforced by HDB for all public housing loans.

Bank Loans

TDSR — Total Debt Servicing Ratio

Total monthly debt obligations cannot exceed 55% of gross monthly income. Enforced by MAS across all financial institutions.

Grants

CPF Housing Grants 2026

First-timers can receive up to $120,000 in EHG (families) plus CPF Housing Grant and PHG. Amounts vary by income, flat type, and proximity to parents.

Stamp Duty

Buyer's Stamp Duty (BSD)

All purchases incur BSD: 1% on first $180K, 2% on next $180K, 3% on next $640K, 4% on next $500K, 5% on next $1.5M, 6% above $3M.

FAQ

Questions everyone asks

For a 4-room HDB resale flat priced at ~$500,000, a combined household income of around $5,500 to $6,500 per month is typically needed to qualify for an HDB loan. This assumes a 25-year loan tenure and no other major debts. Use our calculator above with your exact figures for a personalised answer.
HDB loans require 25% down payment (payable by CPF or cash) at a fixed 2.6% interest rate, up to 25 years. Bank loans also require 25% down (5% must be cash + 20% cash/CPF) at variable rates around 3.5-4.5%, up to 30 years. HDB loans have stricter income ceiling ($14,000 for families) but are generally safer for first-time buyers due to the fixed rate.
You can use your CPF OA savings to pay for the down payment, stamp duty, legal fees, and monthly mortgage instalments. The maximum CPF usage is capped at the Valuation Limit (VL) of the property. After hitting the VL, you'll need to use cash for any excess.
First-timer families purchasing resale flats can receive the CPF Housing Grant of up to $80,000 (for 4-room or smaller flats) or $50,000 (for 5-room or larger). Singles aged 35+ can get up to $40,000. The Enhanced CPF Housing Grant (EHG) provides up to $120,000 for families (or $60,000 for singles) with household income of $9,000 or below. Proximity Housing Grant (PHG) gives an additional $30,000 for living near parents.
Our calculator uses the latest official MSR (30%), TDSR (55%), HDB interest rate (2.6%), and grant frameworks. However, actual loan approval depends on HDB/bank assessment of your individual financial profile, credit history, and property valuation. Use this as a guide and consult a qualified property advisor for exact figures.