Tools
Singapore Property Calculators 2026
Singapore property calculators you can trust. No signup, no email capture, no BS. Built by a licensed realtor (CEA R073319H) so the math matches how bankers, conveyancers, and IRAS actually compute it.
01
ABSD Calculator
Full BSD + ABSD breakdown. 2026 rates. Every buyer profile (SC / PR / Foreigner / Entity / joint).
Best for: second-home buyers, PRs, foreigners, joint-profile couples
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02
BSD Tiered Breakdown
Buyer's Stamp Duty, tier by tier. Residential + non-residential. Shows you exactly which band costs what.
Best for: every Singapore property buyer (residential + commercial)
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03
Affordability Calculator
Max loan and max purchase price under TDSR (private) or MSR (HDB/EC). MAS 4% stress test applied.
Best for: first-time buyers and upgraders pressure-testing a budget
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04
Restructuring Break-Even
Does restructuring save money? Compare BSD + legal cost of the transfer vs ABSD saved on the next purchase. Honest math.
Best for: married SC couples weighing restructuring vs ABSD
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05
Rental Yield & Breakeven
Gross yield, net yield after all holding costs, monthly cashflow, years to breakeven. The investor read, not the brochure read.
Best for: investors, landlords, anyone sanity-checking a rental deal
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06
Mortgage Rates 2026
Live table of current Singapore bank packages DBS, OCBC, UOB, SCB, Maybank, HSBC, Citibank. Fixed and floating (SORA), updated daily.
Best for: buyers comparing bank packages before locking in
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07
TDSR / MSR Scenario Compare
Model rate-shock scenarios at 3.5–5%, see max loan quantum and affordability gap side by side. Know your buffer before rates move.
Best for: buyers stress-testing affordability under different rate environments
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08
Restructuring Strategy Break-even
BSD transfer cost vs ABSD savings on next purchase, with CPF refund mechanics. Detailed break-even timeline.
Best for: couples who want the full cost breakdown before restructuring
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09
Foreign Buyer 60% ABSD
Total stamp duty cost for foreign buyers, FTA exemption check, and structured alternatives modeled. Know the real cost before you proceed.
Best for: foreigners and PRs weighing the full tax cost of Singapore property
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10
Should I Sell Now?
5 questions → instant SELL / WAIT / RESTRUCTURE / RENT-OUT verdict. Cut through the noise and get a clear direction.
Best for: existing owners unsure whether to exit or hold
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11
HDB Grant Eligibility
CPF Housing Grant, Enhanced Grant up to S$120k, Step-Up, Proximity, and Family grants check all in one place.
Best for: first-timer HDB buyers and second-timers checking their grant entitlement
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12
HDB MOP Countdown
Days until your Minimum Occupation Period ends, then see your upgrade options sell, rent whole flat, or buy private.
Best for: HDB owners planning the timing of their upgrade
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13
HDB EIP / SPR Quota Checker
Verify resale flat EIP compliance before listing or buying. Covers all Singapore towns. Avoid a failed transaction.
Best for: resale HDB buyers and sellers checking ethnic quota compliance
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14
HDB Resale Levy Calculator
Calculate your resale levy for a second BTO or EC. Exact levy based on your first flat type no guesswork.
Best for: second-time BTO or EC applicants
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15
HDB-to-Condo Upgrade ROI
Model 5, 10, and 15-year equity growth from upgrading. Factor in leverage, appreciation, and CPF accrued interest the full picture.
Best for: HDB owners modelling the financial case for upgrading to private
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16
99-Year Leasehold Tail Discount
Bala's curve haircut for any remaining tenure. Know the real value before buying or selling resale leasehold not the asking price.
Best for: resale leasehold buyers and sellers below 60 years remaining
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17
Property vs Equities
Model 10 and 20-year leveraged returns vs S&P 500 and STI, factoring ABSD and holding costs. Honest side-by-side comparison.
Best for: investors deciding between Singapore property and equities
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18
SG Rental Yield Heatmap
Rental yield by district 2026: OCR, RCR, and CCR gross yields with median PSF and monthly rent. See which districts outperform.
Best for: investors comparing yield across Singapore districts
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19
SG Cooling Measure Timeline
Every Singapore cooling measure from 2009 to 2026: ABSD hikes, LTV cuts, SSD windows, TDSR introduction with market reaction data.
Best for: investors and analysts studying policy-driven market cycles
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20
Project Comparison Tool
Compare two Singapore condos side-by-side: PSF, freehold vs 99-year tenure, rental yield, MRT distance, and TOP date.
Best for: shortlisted buyers comparing two new launches or resale projects
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21
Walk-Away Threshold Calculator
Set your walk-away price before negotiating. Model stamp duty, loan headroom, and CPF to avoid overbidding under pressure.
Best for: buyers entering negotiation who need a hard ceiling to stick to
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22
Seller Motivation Scorer
Score seller motivation in 8 questions: gauge urgency signals, calibrate your offer, and negotiate with a data edge.
Best for: buyers and agents preparing an offer strategy
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23
Concession Ladder Generator
Generate a 5-step negotiation concession ladder with diminishing increments. Signal you're near your ceiling without tipping your hand.
Best for: buyers in active negotiation who want a disciplined offer strategy
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24
OTP Review Checklist
15-point Singapore OTP checklist: title, caveats, CPF usage, loan approval, seller disclosure. Know what to verify before signing.
Best for: buyers reviewing an OTP before exercising
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25
Mortgage Q&A
AI answers on TDSR, MSR for HDB, SORA packages, lock-in exits, and refinancing decisions. Instant. No banker gatekeeping.
Best for: buyers with specific mortgage questions before speaking to a banker
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26
Co-Broke Commission Split Optimiser
Calculate fair Singapore co-broke commission splits based on deal size, lead source, and work distribution.
Best for: agents negotiating co-broke arrangements on a deal
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Calculators give you the rules. A walkthrough tells you whether the move is right. No sales pitch, just the math applied to your specific situation.