Property Affordability Calculator (TDSR & MSR)
Free Property Tools › Affordability Calculator
Free Tool · YouHome.sg
Before you start viewing, find the ceiling — the maximum home loan and property price your income supports under MAS rules. Worked out at the 4% stress-test rate, so it reflects what a bank would actually assess.
Note: These figures are illustrative and opinion-based, produced with calculation tools — not a valuation or financial advice. Human error is possible; verify against a licensed bank or mortgage broker before relying on them.
Enter your figures — the result updates as you go.
HDB and ECs are also checked against the 30% MSR cap, whichever is lower.
Your basic salary, before tax and CPF. Recognised in full.
Commissions, bonuses and allowances, as a monthly average (e.g. annual bonus ÷ 12). Banks recognise 70% of this.
Car loans, personal loans, credit-card minimums, other property loans. Leave blank if none.
Max 35 years for private property (30 for HDB/EC). Longer tenures past age 65 reduce your loan limit.
Estimated maximum loan
S$0
Enter your figures above to see your estimate.
Property price supported
S$0
Monthly repayment used
S$0
Estimate only. Computed at the MAS 4% stress-test rate, with a 30% haircut applied to variable income, and assuming a 75% loan-to-value first housing loan. Your actual loan depends on the bank's assessment of income, age, credit and tenure. Not financial advice.
How affordability is worked out
| TDSR | All monthly debts, including the new mortgage, must stay within 55% of gross monthly income. Applies to every property loan. |
|---|---|
| MSR | The mortgage alone must stay within 30% of gross income. Applies only to HDB flats and ECs — the lower of TDSR and MSR is binding. |
| Stress rate | The maximum loan is sized at a 4% medium-term interest rate floor, not your actual rate, so you can still service it if rates rise. |
| Tenure | Up to 35 years (private) or 30 years (HDB/EC). Tenures past age 65 or beyond the cap reduce the loan-to-value limit. |
| LTV | A first housing loan is capped at 75% of price or value. The price shown assumes you fund the remaining 25% in cash and CPF. |
Source: MAS — TDSR for property loans. Rates and rules as of July 2026; variable income is subject to a 30% haircut. Verify current figures with MAS or your bank before relying on them.
Questions
What's the difference between TDSR and MSR?
TDSR caps all your monthly debt repayments — including the new mortgage — at 55% of gross monthly income, and applies to every property loan. MSR caps just the mortgage at 30% of gross income, and applies only to HDB flats and ECs bought from a developer. For HDB and EC, both are checked and the lower allowance is binding.
Why does this use 4% and not my actual interest rate?
MAS requires banks to stress-test affordability using a medium-term interest rate floor — currently 4% per annum for residential property, or your actual rate if higher. So even if your real mortgage rate is lower, the maximum loan is worked out at 4% to make sure you can still service it if rates rise.
Is this the amount a bank will definitely lend me?
No — it's an estimate. Your actual loan depends on the bank's assessment of your income (variable income takes a 30% haircut), age, credit record, loan tenure, and LTV limits. Treat this as a planning figure and confirm with a banker or mortgage broker.
Next steps
Read the guide: Upgrading from HDB to condo — the numbers first →← Back to all free property tools
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Note: This calculator gives estimates based on the details you enter and current
published MAS rules. Figures are illustrative and opinion-based, produced with calculation
tools — not a valuation or financial advice. Human error is possible; verify against a
licensed bank or mortgage broker before relying on any figure.
YouHome.sg · Rick Long, Huttons Asia (CEA Reg. R026818Z)
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Self Introduction
Hi, I’m Rick Long,
Associate Senior Division Director, Huttons Asia · CEA Reg. R026818Z
With decades of experience in Singapore’s real estate market, I’ve had the privilege of being mentioned in media outlets such as Channel NewsAsia, The Straits Times, and 99.co.
Over the years, I’ve written extensively on the local property landscape — tackling the real questions buyers and sellers face, and helping them navigate each step with greater steadiness and confidence.
Many of my clients have become long-time friends — their trust and kind reviews continue to inspire me to raise the bar in everything I do.
I believe real estate should be strategic, seamless, and deeply aligned with your life’s journey.