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.

Property price (S$) Property type

Loan to value, LTV (75%) — first housing loan default 75%

Loan amount (S$) — auto from LTV, or type your own Interest rate % per year (0.5–5, step 0.05)

Loan tenure (years)

Max tenure is the lower of 30 years (private) / 25 years (HDB) or age 65, whichever comes first.

Optional — TDSR / MSR check

Gross monthly income (S$) Existing monthly debt obligations (S$)

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

Year	Principal paid	Interest paid	Ending balance

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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.