Singapore HDB Planner
Estimate CPF usage, grants, downpayment, monthly mortgage, and the cash you may need at booking, lease agreement, and key collection.
Sole Contributor — What this means:
1 · Timeline & Property
Total years from launch date to key collection (e.g. 4 for a standard BTO). Not years remaining.
Used to show the income ceiling that applied when you applied for your HFE letter.
2 · Monthly Income (Per Year)
3 · Housing Grants
4 · Loan Details
⚠️ First 5% must be cash — CPF cannot cover the option/booking fee
⚠️ Remaining 20% can be CPF OA or cash
⚠️ TDSR 55% applies (total debt obligations incl. car loan, etc.)
⚠️ Floating packages can change — use Planning for normal budgeting, or Stress if you want extra breathing room
Bank loans are usually either fixed for a short lock-in period or pegged to a floating benchmark such as compounded SORA. Choose the package style first, then enter the all-in rate you were quoted.
Use today's quote only if you just want to mirror a bank brochure. Planning uses a +1.0% buffer by default. Stress test uses a +2.0% buffer by default.
MSR = monthly repayment as % of gross income. HDB cap = 30%. Lower % = more conservative.
HDB rate = CPF OA rate + 0.1%. Reviewed quarterly — subject to change.
Enter your bank's quoted or current all-in rate here. We will then estimate repayments based on the package style and estimation mode you selected.
Home Protection Scheme (HPS)
Mandatory if using CPF for your loan. Calculate premium →
5 · Current CPF (Ordinary Account)
CPF Ordinary Account rate: ~23% of gross salary (age ≤35). Rate reduces at higher ages.
6 · Optional Cash Injections
Pay extra cash at key stages to reduce CPF usage.
Cash for 1st Payment i
Toward 1st payment only · saves CPF
Cash for 2nd Downpayment i
Toward 2nd downpayment only · saves CPF
Pay Remaining with Cash i
Reduces the remaining loan amount at Key Collection
Cash for Monthly Mortgage
Reduces CPF used each month
Remainder covered by CPF. Cash top-up shown in Phase 3.
Optional Component Scheme (OCS)
Extra amount to prepare around Lease Agreement
If you choose CPF, the calculator will use CPF first if available and only fall back to cash when the CPF pool is insufficient.
Renovation Budget
Extra budget to prepare before Key Collection
Enter your details and press Calculate
Your payment breakdown will appear here.
Useful Links
Timeline references below are based on official HDB process pages. This calculator uses a default 4-week ballot-to-booking wait as the minimum, and lets you edit it because the real wait can stretch longer depending on your ballot queue number and take-up rate.
Featured Partner
Affiliate disclosure: partner links shown here may earn us a commission at no extra cost to you.
Disclaimer
All figures shown are estimates only and are intended as a rough guide to help you understand what to expect and how much to save. Actual amounts — including grants, stamp duties, legal fees, loan eligibility, and monthly repayments — may differ depending on your specific circumstances and HDB's prevailing policies at the time of your application. Please verify all figures with HDB or a qualified financial adviser before making any financial decisions.
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