Property calculators
Everything you need to plan your next property purchase in Singapore — mortgage repayments, stamp duty costs, and how much you can actually borrow.
Understanding Singapore property costs
Key rules and taxes every buyer should know before committing
Buyer's Stamp Duty (BSD)
Payable by all buyers on any Singapore property purchase. Tiered from 1% up to 6% for properties above $3M. Computed on the purchase price or market value, whichever is higher.
Additional Buyer's Stamp Duty (ABSD)
An extra layer of stamp duty introduced to moderate demand. Singapore Citizens are exempt on their first property. Foreigners pay 60%. Permanent Residents pay 5% on their first. Entities pay 65%.
Total Debt Servicing Ratio (TDSR)
MAS caps all monthly debt obligations — including the new mortgage — at 55% of gross monthly income. Applied to all property loans from financial institutions.
Mortgage Servicing Ratio (MSR)
For HDB flat and Executive Condominium purchases, mortgage repayments alone cannot exceed 30% of gross monthly income. A tighter constraint than TDSR for public housing.
All calculators use current IRAS rates and MAS guidelines as of Q1 2026. Results are indicative only and do not constitute financial advice. Consult a licensed mortgage adviser or financial planner before committing to a purchase.