Singapore Property & HDB Calculators
Free Singapore property and HDB calculators for 2026 — check your BTO income ceiling and eligibility, see how much flat you can afford, estimate your CPF housing grants, and work out Buyer’s and Seller’s Stamp Duty. Every tool runs in your browser.
Check your HDB eligibility
See whether your household income is within the 2026 BTO, 2-room Flexi or EC income ceiling — and which flat types and schemes you qualify for.
BTO Income Ceiling CheckerProperty · AffordabilitySee what flat you can afford
Estimate your maximum HDB loan under MSR and TDSR, your maximum flat price, and the downpayment split between cash and CPF.
HDB Affordability CalculatorProperty · GrantsEstimate your CPF housing grants
Work out your Enhanced CPF Housing Grant, and for a resale flat the Family Grant and Proximity Housing Grant — paid into CPF to offset the price.
CPF Housing Grant CalculatorProperty · Stamp DutyKnow the duty before you buy
Calculate Buyer's Stamp Duty and ABSD by buyer profile and property count — plus Seller's Stamp Duty if you sell within the holding period.
Stamp Duty CalculatorProperty · LoanSize up your home loan
Work out the monthly instalment and total interest on your loan, and compare an HDB concessionary loan against a bank loan — including what a rate rise would cost.
HDB Loan CalculatorBuying your first HDB flat
A first home in Singapore comes down to a handful of numbers: whether you’re eligible, how much you can afford, what grants you’ll receive, and the upfront cash and loan you’ll need. The tools above work through that order — eligibility first, then affordability to set your price range, then grants and stamp duty before you commit.
One number sits outside that order. The CPF you put into the flat isn’t spent: when you sell, it goes back into your CPF account along with the interest it would have earned had it stayed there, and both come out of the sale price before any cash reaches you. The CPF accrued interest calculator works out what that refund comes to.
The order that matters
Eligibility first — there’s no point planning a flat you can’t buy. Then affordability, which sets your price range. Grants reduce the price you finance, and stamp duty adds to your upfront cash, so estimate both before you commit.
Private by design
Every calculator runs in your browser — your income, savings and CPF balances are never sent to a server. Figures reflect HDB, CPF and MAS rules as of 19 July 2026; confirm current rules on the official HDB and CPF websites before acting. Informational only, not financial advice.