Calculators · Singapore · 2026
BTO affordability calculator
Max flat price, monthly mortgage, CPF grants applied.
Your inputs
Max flat price you can afford
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Before stamp duty; based on MSR/TDSR and downpayment.
Monthly mortgage
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Total CPF grants
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Breakdown
- Max loan
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- Total downpayment
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- From CPF
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- From cash + BSD
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- Buyer's Stamp Duty
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- Typical BTO price (your pick)
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What we assumed
• HDB: MSR 30% / Bank: TDSR 55%. LTV 80% HDB / 75% bank.
• EHG tiered by income. Other grants not yet included.
• Reference BTO prices are rough 2024–25 medians.
Frequently asked
Why doesn't this include the Family Grant?
We'll add it. EHG alone gets most couples close.
What's the difference between HDB loan and bank loan?
HDB loan uses MSR only; bank loan uses TDSR with higher rate and lower LTV.
Estimates only — not financial advice. Confirm with CPF Board, HDB, or IRAS before making financial decisions.