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.
Not sure where to start? 5 minutes
Property Progression Score
14 questions across Money, Timing and Safety. Get a 0 to 100 score plus a point by point breakdown, no sign up. Take this first, then jump to the calculator that matches your result.
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Buying
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
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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05
BTO Ballot Probability Estimator
Estimate your odds of being shortlisted by town tier and flat type, using 2023 to 2025 oversubscription rates.
Best for: BTO applicants deciding between another ballot cycle or going resale
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06
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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07
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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08
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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09
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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10
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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11
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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12
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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13
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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14
Purchase Timeline
Dated milestones from OTP to key collection, for private resale, new launch, or HDB resale. Know what's due and when.
Best for: buyers who want the full sequence mapped out before they start
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15
Sale & Purchase Roadmap
Sell, buy, or both, every deadline in order so nothing slips.
Best for: HDB upgraders and movers sequencing a sale and a purchase together
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Financing
01
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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02
TDSR / MSR Scenario Compare
Model rate shock scenarios at 3.5 to 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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03
Loan Repayment Calculator
Monthly instalment, total interest, and year by year amortisation. Rate shock and TDSR check built in.
Best for: any buyer sizing up the real monthly cost of a loan quantum
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04
Mortgage Q&A
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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Selling
01
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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02
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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03
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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04
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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05
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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Restructuring
01
Decoupling Calculator (Restructuring Break Even)
The main decoupling calculator. Compare BSD + legal cost of the transfer vs ABSD saved on the next purchase. Honest math.
Best for: married SC couples weighing decoupling / restructuring vs ABSD
Open the decoupling calculator
02
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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03
Quick Decoupling Estimate
A faster, manual entry version: ABSD savings vs an estimated inter spouse transfer cost, instant verdict. For the full computed break even, use the decoupling calculator above.
Best for: a quick gut check before running the full numbers
Open the quick estimate
Data & reports
01
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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02
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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03
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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04
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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Data reports
Numbers look interesting?
Book a 30 min walkthrough.
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.
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