Property Loan Repayment Calculator

Work out the real monthly number before you commit: repayment, total interest over the full tenure, and what a rate shock does to your cash flow. Enter your numbers below.
Quick answer: This calculator works out your monthly property loan repayment, total interest over the full tenure, and a year by year amortisation schedule. It stress tests a 1.5 percentage point rate rise, and checks your numbers against the TDSR cap of 55% of gross income, plus the MSR cap of 30% for HDB and EC loans.
Max tenure is the lower of 30 years (private) / 25 years (HDB) or age 65, whichever comes first.
Optional, TDSR / MSR check
Monthly repayment
Total interest
Total payable
Year 1, interest
Year 1, principal
Amortization timeline
Outstanding balance Cumulative interest paid
Show full year by year amortization table
YearPrincipal paidInterest paidEnding balance
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Calculations last verified August 2026 against IRAS, MAS and HDB published rates.

Frequently asked questions

What does this loan repayment calculator work out?

It calculates your monthly repayment, total interest over the full loan tenure, the year 1 interest versus principal split, and a full year by year amortisation table, alongside an amortisation timeline chart of outstanding balance and cumulative interest paid.

What is the maximum loan tenure for a property loan in Singapore?

Max tenure is the lower of 30 years for private property or 25 years for HDB and EC, or age 65, whichever comes first.

What is the rate shock stress test?

It tests what happens if your rate rises 1.5 percentage points, showing your new monthly repayment and exactly how much more that is per month, so you can check you could still hold the loan before committing.

What is the TDSR check and how is it calculated?

The TDSR check caps total monthly debt, this loan plus your existing obligations, at 55% of your gross monthly income. Enter your income and existing debts and the calculator shows whether you pass or exceed that cap.

What is MSR and when does it apply?

MSR applies only to HDB and EC loans, capping your housing repayment alone, not other debts, at 30% of gross monthly income. It sits alongside, not instead of, the TDSR check.

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Mortgage Rates 2026Live bank packages, fixed and SORA TDSR / MSR Scenario CompareRate shock stress test, 3.5 to 5% Purchase TimelineEvery milestone from offer to keys

The information and insights provided on this page are for informational purposes only and are based on Winfred's independent research and views. While we strive to ensure accuracy and reliability, we do not guarantee the completeness, correctness, or timeliness of the data presented. Real estate investments are subject to various risks, including but not limited to market fluctuations, changes in economic conditions, interest rate volatility, regulatory shifts, liquidity constraints, and unforeseen property specific risks. Past performance is not indicative of future results, and investment outcomes may vary. This page does not constitute investment, financial, or professional advice and should not be relied upon as such. Investors should conduct their own due diligence and seek advice from qualified professionals before making any investment decisions.