HDB planning tools

Choose the calculation
you need.

Start with an indicative estimate here, then verify the result in the corresponding official HDB calculator using your latest figures.

Housing budget

Estimate a flat budget from your income, financing limits and available funds.

Gross household incomeMonthly income before CPF

Existing monthly debtShown for planning; TDSR does not apply

Cash + usable CPFFunds available for downpayment and BSD

Assessment interest rateMinimum used here: 3%

Loan tenureHDB loans are generally capped at 25 years

years

Planning assumptions: 30% MSR and 75% LTV. Bank-loan mode also applies the 55% TDSR threshold. Actual eligibility depends on HFE, age, lease, income assessment and lender rules.

These are indicative planning tools, not official HDB, CPF, IRAS or lender calculations. Figures are rounded. Verify eligibility, grants, CPF usage and final amounts with the relevant agencies.

Want more depth?

Go beyond
the estimate.

The calculator is a useful starting point. A property analysis connects the numbers to your flat, current market activity and next-home timeline.

Your personalised selling plan

Review the numbers in context.

01Comparable resale activity around your block
02Likely cash and CPF position after the sale
03A practical timeline for your next move

Book a free consultation →No obligation. Bring your latest loan and CPF figures if available.

Choose the calculationyou need.

Housing budget

Go beyondthe estimate.

Review the numbers in context.

Choose the calculation
you need.

Go beyond
the estimate.