| Year | Principal paid | Interest paid | Ending balance |
|---|
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Calculations last verified August 2026 against IRAS, MAS and HDB published rates.
What it does. The loan repayment calculator works out the monthly repayment, total interest and a year by year amortisation schedule for a property loan, and tests the effect of a 1.5 percentage point rate rise.
How it is worked out. The monthly repayment uses the standard amortisation formula: Payment = Loan x r / (1 minus (1 + r) to the power of minus n), where r is the annual rate divided by 12 and n is the number of months. Total interest is total payments minus the loan. The rate shock repeats the calculation at the entered rate plus 1.5 percentage points. If income and debts are entered, the tool also checks the repayment against the TDSR cap of 55% of gross income and, for HDB and EC loans, the MSR cap of 30%.
With the default inputs the tool shows the following.
| Item | Value |
|---|---|
| Default inputs | |
| Property price | S$750,000 |
| Property type | Private |
| LTV | 75% |
| Loan amount | S$562,500 |
| Interest rate | 1.50% a year |
| Tenure | 25 years |
| Result | |
| Monthly repayment | S$2,250 |
| Total interest | S$112,393 |
| Total payable | S$674,893 |
| Year 1 interest | S$8,309 |
| Year 1 principal | S$18,686 |
| Monthly repayment at 3.00% (rate shock) | S$2,667, which is S$418 more a month |
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.
MAS caps bank loan tenure at 35 years for private property and 30 years for HDB flats. The full loan to value limit needs a tenure of 30 years or less (25 years for an HDB flat) and a loan that finishes by age 65. Source: MAS, checked 28 October 2026, https://www.mas.gov.sg/regulation/explainers/new-housing-loans/loan-tenure-and-loan-to-value-limits.
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.
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.
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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Results are estimates for planning only and are not a quote, valuation or loan approval.
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.