This is your one-stop hub for free Singapore property and mortgage calculators, updated for 2026. Whether you are buying your first home, refinancing a loan, restructuring ownership or planning an investment, these tools give you accurate numbers built around the latest MAS lending rules and IRAS stamp duty rates.
Every calculator below answers a specific question in the property journey. Use them together to plan a purchase end to end, from working out your budget, to checking eligibility, to estimating stamp duty.
Loans and affordability
Work out what a loan costs, what you can afford, and whether a purchase will pass the bank's assessment.
Mortgage Calculator: Estimate your monthly home loan repayment and see how each payment splits between principal and interest over the life of the loan.
Affordability Calculator: Work out how much property you can afford from your income, savings and existing debt, bounded by MSR and TDSR.
Eligibility Checker: Run the full regulatory test for up to four joint borrowers, applying MAS income haircuts and income-weighted average age to a proposed loan.
Refinance Calculator: Compare your existing loan against a new package to see your monthly and lifetime savings and break-even point.
Reverse Affordability Calculator: Start from a target property price and work backwards to the income and savings needed, flagging any shortfall in cash, CPF or income.
Stamp duty
Estimate every type of property stamp duty before you commit.
Stamp Duty Calculator (Buyer's & ABSD): Calculate Buyer's Stamp Duty and Additional Buyer's Stamp Duty with a full bracket-by-bracket breakdown. This is the hub; the next three are its tabs.
Seller's Stamp Duty Calculator: Calculate the SSD payable based on how long you hold the property before selling, including the four-year rules from 4 July 2025.
Mortgage (Loan) Stamp Duty Calculator: Work out the stamp duty on your loan facility, which is 0.4% of the loan amount, capped at S$500.
Rental Stamp Duty Calculator: Calculate the lease stamp duty payable on a tenancy agreement from your monthly rent and lease period.
Restructuring ownership
Advanced strategies to legitimately manage ABSD across a household.
Decoupling Calculator: Test whether decoupling a jointly owned property pays off versus buying a second property the conventional way.
Sell One, Buy Two Calculator: Model selling a current home to buy two properties, one in each name, to sidestep second-property ABSD.
Key Singapore property rules at a glance (2026)
| Rule | Figure |
|---|
| Total Debt Servicing Ratio (TDSR) | 55% of gross monthly income |
| Mortgage Servicing Ratio (MSR, HDB/EC only) | 30% of gross monthly income |
| Loan-to-Value (LTV) limit, first loan | Up to 75% |
| Stress-test interest rate | 4% p.a. (or prevailing rate if higher) |
| Variable / rental income recognition | 70% (30% haircut) |
| Buyer's Stamp Duty (BSD) | 1% to 6% progressive |
| ABSD, Citizen 2nd / 3rd property | 20% / 30% |
| ABSD, PR 1st / 2nd property | 5% / 30% |
| ABSD, foreigner | 60% |
| Seller's Stamp Duty (bought from 4 Jul 2025) | 16% / 12% / 8% / 4% over 4 years |
| Mortgage (loan) stamp duty | 0.4% of loan, capped at S$500 |
| Rental stamp duty | 0.4% of rent (lease 4 years or less) |
Frequently asked questions
Are these calculators free to use?
Yes. Every calculator listed here is free and gives instant estimates based on the inputs you provide.
Are the figures up to date for 2026?
Yes. The rates and lending rules reflect MAS and IRAS requirements current in 2026, including the July 2025 Seller's Stamp Duty changes.
Do the results count as financial or legal advice?
No. These tools give reliable estimates for planning. For a recommendation tailored to your circumstances, speak to a mortgage adviser or conveyancing lawyer.
Which calculator should I start with?
If you are buying, start with the Affordability Calculator to set your budget, then the Eligibility Checker to confirm a loan will pass, and the Stamp Duty Calculator to plan your upfront cash. If you already own a loan, start with the Refinance Calculator.
All calculators reflect rules current in 2026 and are for general information only. Verify your specific liability and eligibility with IRAS, MAS guidance or a licensed adviser.
Sarah Chen
