Free Singapore Property Calculators — Stamp Duty, Affordability, Progressive Payment & ROI

Property calculators, without the sales pitch

Four free calculators built on current IRAS and MAS rules — stamp duty, affordability, the progressive payment schedule, and investment ROI. Every formula is shown on the page, every rate is dated, and the tools pass your numbers between each other so you only type them once. No sign-up, no agent marketing.

Rates verified 8 Jul 2026 · BSD from 15 Feb 2023 · ABSD from 27 Apr 2023 · SSD from 4 Jul 2025 · TDSR 55% / MSR 30%

Affordability & Max Loan

Start here. Your maximum loan and property price under TDSR 55%, MSR 30% and the 4% stress test — for one or two buyers, with the bonus haircut and income-weighted tenure cap applied the way banks apply them.

Answers: "What can we actually afford?"

Stamp Duty (BSD, ABSD & SSD)

Buyer's and Additional Buyer's Stamp Duty with the full tier-by-tier breakdown, joint-purchase handling, and FTA national treatment — plus the Seller's Stamp Duty schedule that changed in July 2025.

Answers: "How much tax on this purchase — or this sale?"

Progressive Payment Schedule

For new launch condos: every payment stage from booking to CSC on a visual timeline, split into cash, CPF and loan drawdowns — and how your monthly instalment grows as construction progresses.

Answers: "When do I pay what, and from where?"

New Launch ROI

Projected returns on a new launch purchase: capital outlay, rental income after costs, loan interest across the progressive drawdown, exit costs — including the 2025 SSD rules if you sell early — and your annualised ROI.

Answers: "What return does this purchase really need?"

The calculators share one calculation engine, so a BSD figure in the ROI calculator is computed by exactly the same code as the stamp duty calculator. When a rate changes, every tool updates together.

Why we publish the formulas

Most Singapore property calculators are lead-generation forms with arithmetic attached: the number appears, and so does a button to speak with an advisor. Ours work differently. Each tool states the exact rule it applies — the IRAS stamp duty schedules, the MAS TDSR and LTV framework, the standard progressive payment stages under the Housing Developers Rules — and shows the intermediate steps, not just the answer. If you can see how the number was produced, you can check it, challenge it, and reproduce it with your banker or lawyer.

The tools are also connected to the rest of our research. The ROI calculator suggests appreciation assumptions drawn from our matched resale exit dataset — 32,414 real profitable exits — rather than a hopeful default. The affordability calculator hands your maximum price to the budget matcher so you can see which active launches actually fit it. A calculator that ends with a number is a toy; one that ends with a decision you can act on is a tool.

What these calculators are not

They are estimates built on standard rules, and standard rules have edge cases: remissions, decoupling, trusts, variable income treatment, bank-specific credit policy, CPF usage limits. None of that is modelled here. Verify every figure with your bank, lawyer and IRAS before committing money — and read each tool's methodology note, which lists exactly what is and is not included.

Talk it through with an advisor

Our research tells you what the data says. If you want to work through what it means for your own situation — budget, ABSD position, timing an HDB sale, or comparing launches against resale options — you can request a one-to-one consultation.

No obligation, and no pressure to transact — the first conversation is about your goals, not a product.

Personalised affordability and stamp-duty scenarios based on your actual numbers.

Launch and tender alerts for the specific projects you shortlist.

Disclosure: advisory consultations are provided by Jamus Lee (CEA Reg. No. R065771E, ERA Realty Network Pte Ltd, Licence No. L3002382K), the publisher of PropertyInsider.sg, via JamusProperty.com. This is a separate service from our editorial research and has no influence over what we publish — see our editorial policy. Submitting this form shares your details with the advisory practice; see our privacy policy.