Enter your numbers and this HDB affordability calculator works out the maximum flat price you
can support under Singapore's actual loan rules - then shows which towns fit. The price ceiling is the same
whether you are buying resale or a BTO, so it doubles as a BTO budget check. It is the public formula applied
to your inputs, not financial advice.
Step 4 of the buyer's roadmap: turn a shortlist into a budget you can actually support.
How to read this page
Enter your household income, cash and CPF; the calculator applies HDB’s loan rules to work out a price ceiling and which towns fit.
It’s a planning estimate, not loan approval. With a budget in hand, see the monthly repayment in the loan calculator.
Estimated maximum flat price
$0
$0
maximum loan
$0
downpayment (cash + CPF)
$0
monthly instalment
The town list above compares your budget with each town's 4-room median. Open a town for
its full breakdown, or enter the same budget in Find a Flat to see recent sales.