Interactive Calculator
Home Affordability Planner
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Calculations run 100% locally in your browser. No financial inputs or personal data are retained or sent to any server.Evaluate maximum borrowing capacity under MSR/TDSR limits alongside CPF Housing Grants eligibility profiles.
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Home Affordability Planner
Calculate maximum home price, HDB/Bank loan limits (MSR/TDSR), CPF grants & cash outlay
Max Home Price$500,000
Max Home Loan$375,000
CPF Grants+$55,000
Monthly Mortgage$1,701/mo
Cash Out-of-Pocket$0 (100% CPF Covered!)
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Step 1: Applicants, Gross Salaries & Monthly Debts
Joint vs Single applicant status, household income & MAS debt servicing limits
Household Application Setup
Joint applicants pool salaries, CPF balances & grants for higher borrowing capacity
👤 Applicant 1 (Primary)Income: $4,500/mo
$/ month
$/ month
Car loans, study loans, personal loans (deducted for TDSR)years old
❤️ Applicant 2 (Spouse / Partner)Income: $3,500/mo
$/ month
$/ month
Deducted for Total Debt Servicing Ratio (TDSR)years old
Singapore Citizens enjoy 0% ABSD on 1st property and full CPF Housing Grants.
ABSD rate applied: 0.0%
Combined Gross Household Income$8,000/mo(Debt: $0/mo · Weighted Age: 30 yrs)
Clear Answers
Frequently Asked Questions
The Mortgage Servicing Ratio (MSR) caps monthly mortgage payments at 30% of gross income and applies only to HDB flats and new ECs. The Total Debt Servicing Ratio (TDSR) caps all debt obligations (mortgage, car loans, credit cards, education loans) at 55% of gross income and applies to all private property loans.