Singapore Property Decision Engine

A practical first-pass planner for stamp duty, servicing pressure, cash needed, and what to read next before you issue an OTP or chase a launch preview.

Property Decision Calculator

Model the numbers before you chase the viewing.

This first slice is a conservative, source-backed planner for single-buyer scenarios. It estimates stamp duty, servicing pressure, upfront cash and CPF needs, and your current ceiling before legal fees, renovation, grants, or valuation gaps.

Build your scenario

Start with the buyer profile, the property target, and the funds you can actually deploy.

Buyer profile
Target purchase
Income and debt
Deployable funds
Uses MSR 30% where relevant75% headline LTV assumptionSingle-buyer model only
Upfront funds gap

$769,000 looks like your current planning ceiling.

The main issue is cash or CPF buffer. Your target looks tight even before renovation, legal fees, and valuation gaps.

Supported loan$585,000Monthly instalment about $2,774
Total stamp duty$18,000BSD $18,000 and ABSD $0
Minimum cash needed$93,000Bank loan cash floor $0
Total buyer funds needed$213,000CPF usable $120,000
ABSD rate used0%
MSR 30% monthly cap$3,750
TDSR monthly ceiling$5,875
MSR monthly ceiling$3,750
Estimated SSD if sold in 5 yearsNo SSD estimate
Funding gap at your target$3,000 short
What the tool is telling you
Assumes a single-buyer scenario, the purchase price as the tax base, and no grants, valuation gaps, or legal and renovation fees.
Outstanding existing mortgages are not modeled. Bank LTV can be lower if you are carrying another housing loan.
For HDB loans, this tool assumes CPF OA balances above S$20,000 are first used toward the purchase.
MSR 30% is relevant for this property type, so loan servicing can tighten faster than headline LTV suggests.
Read next

These guides are matched from your scenario, not just your property type.

Sell First or Buy First in 2026? Updated ABSD + Cashflow Playbook for Singapore UpgradersA practical 2026 Singapore upgrader guide with ABSD reality checks, remission timeline traps, and a decision framework for sell-first vs buy-first.FinanceSell First or Buy First for HDB Upgraders (2026 Singapore): Cashflow PlaybookSingapore 2026 guide for HDB upgraders on sell-first vs buy-first, with cashflow timelines, ABSD checkpoints, and a practical decision matrix.FinanceOlder Condo vs Newer HDB Resale at the Same Budget: Which One Creates Less Cash Burn in the First 3 Years?A condo and an HDB resale flat can look equally affordable on purchase price, but the first three years of cash burn can be very different. Use this Singapore framework to compare the real cost.FinanceCOV in 2026: The Resale HDB Budgeting Framework Most Buyers MissA practical Singapore framework to budget for COV in 2026, including cash-only impact, valuation gap risk, loan sizing, and negotiation discipline before you commit.Finance

Official sources behind this calculator

This version does not pretend to solve every Singapore edge case. It shows the exact rule surfaces we are grounding to, and where live datasets are being wired next.

IRAS stamp duty ratesBSD and ABSD rate tables used for the calculator logic.HDB credit rulesMSR, HDB loan LTV and financing constraints for flat buyers.CPF + downpayment guidanceCash and CPF usage notes, including 5% cash for FI loans.data.gov.sg housing datasetsThe next slice will pull live HDB transaction datasets through these APIs.
Next implementation slice: swap static assumptions for live HDB and data.gov.sg feeds, then layer in town-level compare views and a grounded AI copilot on top.
Upgrading from HDB to private?

The Sell-First vs Buy-First Decision Tool runs both scenarios with ABSD remission timing and risk flags — a more focused planner than this engine.

Open the tool →
Checking an HDB resale asking price?

The HDB Resale Price Sense-Check pulls recent transacted prices for any block so you can see whether an offer is in line with the market.

Open the tool →
Rules last checked against official sources on 2026-04-03. This tool is for scenario planning and does not replace an IPA, HFE letter, lawyer advice, or the final tax amount assessed on your document.
HDB Price Sense-CheckIncome Tax CalculatorABSD & BSD CalculatorTDSR / MSR CalculatorFinance GuidesHDB GuidesCondo Guides

Frequently Asked Questions

What does the Property Decision Engine do?

It is a first-pass planner that takes your buyer profile (Singapore Citizen, PR, Foreigner), property type, income, and target price, then estimates stamp duty (BSD + ABSD), maximum loan under TDSR/MSR, cash you need at OTP, and which guides to read next. It uses 2026 IRAS, MAS, and HDB rules.

Is this tool free to use?

Yes. The Property Decision Engine and all linked calculators on SGInfoProperty (ABSD/BSD, TDSR/MSR, Rental Yield, Income Tax, HDB Resale Sense-Check, Sell-First vs Buy-First) are free, run entirely in your browser, and do not require sign-up.

Can this replace an IPA or HFE letter?

No. It is for scenario planning before you commit. The actual loan amount you can take, eligible grants, and HDB or private affordability are determined by your bank's In-Principle Approval (IPA), HDB's HDB Flat Eligibility (HFE) letter, and the final IRAS assessment on your stamp duty documents.

Which calculator should I use for my situation?

Start with the Property Decision Engine for the full picture. If you only need stamp duty, use the ABSD & BSD Calculator. For borrowing capacity use the TDSR & MSR Calculator. HDB upgraders moving to private should use the Sell-First vs Buy-First Decision Tool, and HDB resale buyers should sanity-check asking prices with the HDB Resale Price Sense-Check.