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.
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 at Lease Agreement
Toward 1st downpayment · saves CPF
Cash at Key Collection
Toward balance payment · saves CPF / loan
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
Renovation Budget
Extra budget to prepare before Key Collection
Enter your details and press Calculate
Your payment breakdown will appear here.
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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.