HDB buyer calculators
Free tools for anyone buying an HDB resale flat, each applying the published public rules to your numbers - not advice. More are on the way.
The maximum flat price your income and savings support under the MSR, TDSR and LTV rules - HDB or bank loan - matched to the towns that fit.
BuyingThe monthly instalment, total interest and total cost of an HDB or bank home loan, from the loan amount, interest rate and tenure you enter.
BuyingWhich CPF housing grants a first-timer may qualify for on a resale flat - the Family or Singles Grant, EHG and the Proximity Grant - with the published amounts.
BuyingBuyer's Stamp Duty on the price, plus any Additional Buyer's Stamp Duty by buyer profile, at the published IRAS rates.
BuyingWhich calculator to start with
Most buyers get the most out of these in order. Start with affordability: it sets your price ceiling from income, debts and savings, and that ceiling decides which towns are realistic. Then check the grants you may qualify for. For eligible first-timers they can be worth tens of thousands of dollars, though they reduce the cash and CPF you put in, not the price of the flat.
With a price and a loan amount in mind, the loan repayment calculator shows the monthly instalment and total interest, so you can compare an HDB loan with a bank loan over the same tenure. Finally, stamp duty works out the Buyer's Stamp Duty on the purchase, one of the upfront costs covered in the buying costs guide.
The calculators are most useful with a realistic price in mind. The town pages have current medians by flat type.