Property tools
Check the numbers yourself.
Planning estimates, not valuations, loan offers or grant approvals.
Calculators
Moving home
My Next Home
Your sale, cash and CPF, and the price range that might fit your next home.
Open calculatorSelling & buying
Upgrade budget
Sale proceeds and your next purchase, with cash and CPF kept separate.
Open worksheetHDB resale
Resale medians map
Which flat types your budget covers, from the last 12 months of resales.
Open mapBTO
First-timers
First-timer BTO calculator
Grant, HDB loan, monthly instalment and cash at each stage.
Open calculatorStuck on a number?
Send me what you entered. I'll check it with you.
Rules at a glance
Key rules, checked 13 Nov 2026
Seller's Stamp Duty (SSD)
Counted from your purchase date (OTP accepted or S&P signed), not completion. Bought on or after 4 Jul 2025: 16%, 12%, 8%, 4% in years 1 to 4, then none. Bought 11 Mar 2017 to 3 Jul 2025: 12%, 8%, 4% in years 1 to 3, then none. IRAS
Buyer's Stamp Duty (BSD)
1% on the first S$180k, 2% on the next S$180k, 3% on the next S$640k, 4% on the next S$500k, 5% on the next S$1.5m, 6% on the rest. IRAS
ABSD
Citizens 0% / 20% / 30% for the 1st / 2nd / 3rd property. PRs 5% / 30% / 35%. Foreigners 60%. Joint buyers pay the highest rate among them. IRAS
Loan limits
TDSR 55% and MSR 30% of gross monthly income. Banks test at 4% or higher; HDB loans at 3%. LTV 75% for a first bank or HDB loan. MAS
HDB MOP
5 years for Standard flats, 10 years for Plus and Prime flats, before you can sell on the open market. HDB
General information. Rules change, so confirm with IRAS, HDB, MAS or your bank before you commit.