Property calculators
Thirteen tools covering HDB affordability, stamp duty, TDSR, mortgage repayments, rental yield and CPF refunds — modelled on IRAS, MAS, HDB and CPF Board rules.
Updated July 2026 Sources: IRAS, MAS, HDB, CPF Board 2026 figures
Key property figures · 2026
Find a tool by situation
Property questions change from first flat to sale — pick your stage to see the tools that apply.
Saving for a first home
Eligibility for grants and an HDB loan shapes the budget before any flat search. Grants are tiered by income and flat type; the HDB concessionary rate is pegged at the CPF OA rate plus 0.1%.
What each tool tells you
Inputs and outputs for the Singapore property tools. Rate references require no inputs.
| Tool | Type | You provide | The result |
|---|---|---|---|
| Calculators | |||
| HDB Affordability Calculator | CALCULATOR | Household income, savings and loan preference | Estimated flat price range under the MSR and TDSR limits |
| HDB Grant Calculator | CALCULATOR | Household income, flat type and citizenship | Estimated CPF housing grants applicable to the purchase |
| Stamp Duty Calculator | CALCULATOR | Purchase price, residency status and property count | Estimated BSD and ABSD payable under IRAS rates |
| TDSR Calculator | CALCULATOR | Gross monthly income and existing debt obligations | Maximum monthly repayment under the 55% TDSR threshold |
| Mortgage Calculator | CALCULATOR | Loan amount, interest rate and tenure | Estimated monthly repayment and total interest over the term |
| CPF Housing Withdrawal Calculator | CALCULATOR | Property price and OA balance | Estimated OA amount usable and the remaining withdrawal limit |
| Renovation Loan Calculator | CALCULATOR | Loan amount, rate and repayment period | Estimated monthly repayment on a renovation loan |
| Refinance Calculator | CALCULATOR | Outstanding loan, current rate and new rate | Estimated interest difference from switching loan packages |
| Property Tax Calculator | CALCULATOR | Annual value and occupancy status | Estimated annual property tax under IRAS progressive rates |
| Rental Yield Calculator | CALCULATOR | Purchase price, monthly rent and expenses | Estimated gross and net rental yield |
| Rental Stamp Duty Calculator | CALCULATOR | Monthly rent and lease duration | Estimated lease duty payable on the tenancy agreement |
| CPF Accrued Interest Calculator | CALCULATOR | OA amount used and holding period | Estimated principal plus accrued interest refundable to CPF on sale |
| HDB Resale Levy Calculator | CALCULATOR | First subsidised flat type | Estimated resale levy payable on the next subsidised flat |
| Rate references | |||
| HDB Loan Rate | REFERENCE | — | The current HDB concessionary rate and its CPF OA peg |
| SORA Rate | REFERENCE | — | Current SORA benchmarks that bank floating packages reference |
| CPF Interest Rates | REFERENCE | — | The OA rate that housing withdrawals accrue interest at |
Swipe sideways for more columns →
Figures reflect IRAS, MAS, HDB and CPF Board schedules as at July 2026. Rates and thresholds are subject to change.
Key property figures for 2026
The figures the property tools are modelled on, as published by IRAS, MAS, HDB and the CPF Board.
| Figure | Value | Applies to |
|---|---|---|
| TDSR threshold | 55% of gross monthly income | All property loans, MAS |
| Mortgage Servicing Ratio (MSR) | 30% of gross monthly income | HDB flats and ECs, MAS |
| LTV limit, HDB loan | 75% | HDB concessionary loans |
| HDB concessionary rate | 2.6% p.a. | Pegged at CPF OA rate + 0.1% |
| BSD top marginal rate | 6% | Residential value above SGD 3,000,000, IRAS |
| ABSD, citizens' second property | 20% | Singapore citizens, IRAS |
| ABSD, foreigners | 60% | Any residential purchase, IRAS |
| Owner-occupier property tax | 0% – 32% | Progressive on annual value, IRAS |
| CPF OA interest floor | 2.5% p.a. | Rate accrued interest compounds at, CPF Board |
Swipe sideways for more columns →
Source: IRAS, MAS, HDB and CPF Board, verified July 2026. Figures are subject to change and should be verified against the relevant authority.
Frequently asked questions
Common questions across the Singapore property tools. Detailed FAQs are on each tool's page.
How much stamp duty is payable on a home in Singapore?
Buyer's Stamp Duty (BSD) is calculated on the purchase price or market value, whichever is higher, at progressive rates of up to 6% for residential property. Additional Buyer's Stamp Duty (ABSD) may apply on top, depending on residency status and the number of properties owned. Rates are set by IRAS. Use the Stamp Duty Calculator to estimate both.
What is TDSR and how does it limit a home loan?
The Total Debt Servicing Ratio (TDSR) caps total monthly debt repayments — including the new property loan — at 55% of gross monthly income. The threshold is set by MAS and applies to property loans from financial institutions. Use the TDSR Calculator to estimate the maximum monthly repayment.
How do HDB loans and bank loans differ?
The HDB concessionary rate is pegged at the CPF OA rate plus 0.1% — currently 2.6% p.a. — and applies to eligible HDB flat buyers. Bank loans are typically priced against SORA and vary with the benchmark. Current levels are on the HDB Loan Rate and SORA Rate pages.
How much CPF can be used to buy a property?
Ordinary Account savings can be used for the downpayment, stamp duty and monthly loan repayments, subject to the property's remaining lease and CPF withdrawal limits. For bank-financed purchases, usage is capped at the Valuation Limit, and beyond it at the Withdrawal Limit. Use the CPF Housing Withdrawal Calculator to estimate the usable amount.
What is refunded to CPF when a property is sold?
The CPF principal withdrawn for the property, plus accrued interest at the OA rate of 2.5% p.a., is refunded to the CPF accounts from the sale proceeds. Where the property is sold at market value, the refund is capped at the proceeds. Use the CPF Accrued Interest Calculator to estimate the amount.
What is the HDB resale levy?
The resale levy is payable when a household that sold a subsidised flat buys a second subsidised flat or EC from HDB. The amount is fixed by first flat type — for example, SGD 40,000 for a 4-room flat. Levy amounts are set by HDB. Use the HDB Resale Levy Calculator to estimate it.
How is rental yield calculated?
Gross rental yield is annual rental income divided by the property's purchase price, expressed as a percentage. Net yield deducts recurring costs such as property tax, maintenance fees and agent fees before dividing. Use the Rental Yield Calculator to estimate both figures.
How is property tax calculated in Singapore?
Property tax is calculated on the property's Annual Value (AV) at progressive rates set by IRAS — 0% to 32% for owner-occupied residential property, with higher rates for non-owner-occupied property. The AV is assessed by IRAS based on estimated market rent. Use the Property Tax Calculator to estimate the annual amount.
Singapore financial calculators
Tax, CPF, loans and market rates — every Singapore tool on one page.
View all calculatorsImportant disclaimer
For educational and informational purposes only. The tools listed on this page produce estimates based on the inputs provided and do not constitute financial, tax or property advice. Figures shown here reflect IRAS, MAS, HDB and CPF Board schedules verified in July 2026.
Results are estimates. Stamp duty rates, lending limits, loan-to-value caps, interest rates, grant amounts, resale levies and property tax rates are set by IRAS, MAS, HDB and the CPF Board and are subject to change. Bank loan pricing varies by lender and package; SORA-linked rates move with the benchmark.
No warranty of accuracy. While Money Snap takes reasonable care to source figures from IRAS, MAS, HDB and the CPF Board, this page is provided "as is" without any express or implied warranty as to accuracy, completeness, timeliness or fitness for any particular purpose.
Verify before acting. Confirm your eligibility, grant entitlement, stamp duty position and loan limits with HDB, IRAS, the CPF Board and your lender, and seek independent advice from a licensed financial adviser before acting on any figure shown. Use of Money Snap is subject to our Terms of Use.