PropertySmartSG tools

Affordability calculator

Set a realistic search ceiling before browsing. Estimate the property budget your income, debts and available cash might support under editable financing assumptions.

Better inputs

Anchor the calculator with real transaction pages

Before you rely on an estimate, open the matching project or district and use the latest rent, sale price, PSF and transaction depth as your starting point.

Project pages Use exact condo rent, sale, PSF and transaction depth when the project is known. District pages Compare the wider market when a project has thin or uneven transaction history. HDB resale pages Use estate and street resale prices when the decision involves HDB resale. Data freshness Check the latest refreshed month before making a time-sensitive decision. Rankings Find high-rent, high-sale, active and stable-rent projects before narrowing the calculator inputs.

Estimated budget - Lower of loan and cash limits

Loan capacity - Based on max monthly payment

Max monthly payment - Income test after debts

Estimated down payment - Before stamp duty and fees

Projects that may fit this budget

These projects are filtered toward median sale prices that fit the estimated budget, so you can move from theory back into real options.

6 transaction-backed matches

Sale benchmarks Freehold

Affordability calculator FAQ

Quick answers about budget estimates, income limits, cash constraints and comfort buffers.

What does the affordability estimate mean?

It is a planning estimate of the property budget your income, debts, available cash, TDSR and loan-to-value assumptions might support. It is not a bank approval.

Why can cash limit the property budget?

Even if income supports a larger loan, you still need enough cash or CPF for the down payment and other upfront costs. The calculator takes the lower of the cash-supported and loan-supported budgets.

Should I include debts?

Yes. Existing debt obligations reduce the amount of monthly mortgage payment that may fit within a TDSR-style planning limit.

What is TDSR?

TDSR stands for Total Debt Servicing Ratio. It is a financing constraint used to compare debt obligations against income. This calculator lets you edit the percentage so you can run conservative scenarios.

Why can affordability be lower than the bank's maximum?

This calculator is meant to keep the decision practical. A bank limit is not the same as a comfortable budget once stamp duty, legal fees, maintenance, insurance, property tax and lifestyle costs are included.

Should I use gross or net income?

The default input is gross monthly income because financing assessments often start there, but you can enter a lower planning income if bonuses, commissions or variable income feel uncertain.

How to use this estimate

Use the result as a decision aid, then verify the numbers that can change your cashflow, tax bill or approval.

Use real market inputs

A calculator is only as good as the rent, price, rate, loan and buyer profile you put into it. Start from a project page or district page when possible.

Treat this as an estimate

These results are for comparison and planning. Confirm taxes with IRAS, loan terms with your bank, and legal dates with your lawyer.

Stress-test the decision

Try a higher interest rate, lower rent, longer vacancy, bigger cash buffer or different holding period before treating the number as comfortable.