Home Affordability Calculator
Get a quick read on what you can likely afford before you start viewing units seriously. This uses simplified TDSR (55%) and, for HDB or new EC purchases, MSR (30%) planning limits against your income and existing monthly debts.
Estimated Budget
Estimates use simplified planning assumptions based on public rules such as IRAS stamp duty tiers and MoneySense affordability concepts. They do not replace bank approval, legal advice, HDB/CPF/IRAS assessment or professional financial advice.
Answers before you reach out.
What is TDSR and how does it limit my affordability?
Total Debt Servicing Ratio caps all your monthly debt obligations, including the new mortgage, at 55% of gross monthly income. It applies to every residential property purchase in Singapore, regardless of property type.
Why is HDB or new EC affordability calculated differently?
HDB flats and new Executive Condominiums also carry a Mortgage Servicing Ratio (MSR) cap of 30% of gross monthly income, on top of TDSR. Private resale property and resale EC purchases are not subject to MSR.
Does this estimate reflect what a bank will actually approve?
No. Banks also assess credit history, employment stability, income type (fixed vs variable), age and existing facilities. Treat this as a planning estimate, then confirm your actual eligibility with a bank or mortgage broker.
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Glenice Toh
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