Built for Singapore HDB flat buyers

BTO Budget Calculator
Singapore buyers can trust.

Free BTO budget calculator for Singapore. See your CPF, cash, grants, downpayment, and key collection pressure before you commit to an HDB flat.

Start Planning See the breakdown
3 Purchase Phases
15+ Cost Items Tracked
CPF Grant & Loan Aware
100% Free to Use
What's inside

Everything you need,
in one place.

No more spreadsheets. No more guessing. Every cost, every CPF deduction, every savings goal — calculated automatically.

🏠
All-in-one Calculator
Enter your flat price, income, CPF balance, and grants. The calculator breaks down every cost across all three purchase phases.
CPF Auto-Applied BSD & Stamp Duty HDB Loan
💰
Financial Apportionment
Split every cost fairly between applicants by income ratio. Set savings goals per person for Lease Agreement and Key Collection.
Per-Person Goals Monthly Savings Renovation Budget
📅
Savings Timeline
See exactly how much each person needs to save per month to hit their goals by Lease Agreement and Key Collection dates.
Auto-fill Dates OCS Support Editable Timeline
1
Lease Agreement
Option fee · 1st DP
Stamp duty · Legal
→
2
Key Collection
2nd DP · Deed stamp
Survey · Registration
→
3
Monthly Repayment
Mortgage installment
CPF + cash split
How it works

Four steps to clarity.

01

Enter your details

Input your flat price, combined income, current CPF balances, and HDB launch date.

02

See every cost, per phase

The calculator breaks down all 15+ costs across Phase 1 (Lease Agreement) and Phase 2 (Key Collection), with CPF auto-applied.

03

Know your exact cash gap

After CPF is applied, see precisely how much cash you need to prepare at each phase. Toggle fees between CPF and cash.

04

Get your savings plan

The Financial page splits totals by income ratio and calculates monthly savings targets for both applicants.

Guides

Free BTO guides for first-time buyers

Useful explainers for the biggest BTO planning questions: whether you are truly ready, how HFE and grants shape your options, how the BTO timeline affects affordability, and what you may need to pay at each stage.

Guide
Grants & HFE Guide
See how HFE and grants shape what BTO flat is truly within your safe range.
Guide
Payment Guide
See the BTO journey as booking, lease agreement, key collection, and monthly mortgage.
Guide
Timeline Guide
Follow the BTO timeline from HFE and booking to lease agreement, key collection, and monthly mortgage.

Support reads like Are You Ready? and Targets & Goals are still available if you want the broader mindset side of BTO planning.

Ready to plan your flat?

Open the calculator and get a complete cost breakdown in under 2 minutes. No account needed to get started.

Open Calculator

Free · No sign-up required to try · Built for Singapore buyers

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