Decision tools

Singapore property calculators

Run the costs behind a property decision, from stamp duty and mortgage payments to rental yield and the cash needed before completion.

Calculators 6

Research paths 3 buy, rent and invest

Access No sign-up instant estimates

Choose what you need to work out

Each calculator handles one part of the decision. Start with the question closest to the property you are considering.

Find a project first

For investors

Rental yield calculator

Is the rent strong enough for the price?

Turn a rent and purchase price into gross yield, net yield and estimated annual income after simple owner costs.

RentYieldCashflow

Check rental yield

For buyers

Stamp duty calculator

How much cash goes to stamp duty?

Estimate Singapore residential BSD and ABSD, including co-buyer profiles and FTA remission scenarios.

BSDABSDTotal duty

Estimate stamp duty

For offers

Purchase timeline tool

What needs to be paid, and when?

Map the option fee, exercise payment, stamp duty deadline, lawyer fees, bank loan and completion cash.

1% option14-day exerciseCompletion

Build timeline

For financing

Mortgage calculator

What does the monthly payment look like?

Work out loan size, monthly payment and total interest from rate, tenure and down payment.

LoanPaymentInterest

Calculate mortgage

For planning

Affordability calculator

What price range should I be looking at?

Estimate a property budget from income, debts, available cash, TDSR, LTV, rate and loan tenure assumptions.

BudgetLoanDown payment

Find budget range

For decisions

Buy vs rent calculator

Should I keep renting or consider buying?

Compare a simplified buy scenario against renting over a chosen holding period.

RentEquityNet cost

Compare buy vs rent

Use the tools as a decision stack

Run the numbers in this order when you are comparing a real property, not just playing with assumptions.

Anchor the scenario

Start with a real project rent, sale price, asking price or budget target. The tools are only useful when the inputs resemble the property you are actually considering.

Check the cash stack

Stamp duty, option money, exercise payment, lawyer fees and down payment can matter before the first mortgage payment starts.

Stress-test the monthly cost

Mortgage and affordability help you see whether the loan still feels comfortable after debts, interest rate changes and realistic cash limits.

Compare the alternative

Buy vs rent and rental yield help you compare the property against staying a tenant, buying another place or waiting for a cleaner opportunity.

Use calculators with transaction evidence

The calculators are strongest when the inputs come from actual project or district data instead of a random asking price.

Search projects

Find the project first Use the project page to pull real median rent, median sale price, sale PSF, transaction depth and tenure before running the calculator. Check if rent is fair Use recent contracted rents and project-level context before accepting, renewing or negotiating a lease. Check if sale price is fair Compare total price, PSF, tenure and recent transaction depth before making an offer. Read the methodology Understand what the data can and cannot tell you before treating any estimate as a decision. Use rankings as shortcuts Jump into high-rent, high-sale, active, stable-rent and freehold project lists before testing a calculator scenario.

Use the calculators as a first pass, then verify

These tools are designed for quick comparison, not financial, tax or legal advice. For a real purchase, verify stamp duty with IRAS, financing with your bank or mortgage adviser, and legal timelines with your lawyer.

Property calculator FAQ

Short answers about how to use the tools without treating an estimate like an approval, valuation or legal opinion.

Which property calculator should I start with?

Start with the decision in front of you. Buyers usually need stamp duty, purchase timeline, mortgage and affordability. Renters usually need buy vs rent. Investors usually need rental yield after checking real rent and sale evidence.

Do the calculators use live bank approvals or official valuations?

No. These calculators are planning tools. They use the numbers you enter and simple assumptions so you can compare scenarios quickly before checking with a bank, lawyer, tax adviser or official source.

How should I use these with PropertySmartSG project data?

Use a project page to find recent rents and sale prices, then test those values in the calculators. That turns public transaction data into practical questions: fair rent, affordable price, stamp duty, cash needed and monthly payment.

Can these tools tell me whether to buy a specific condo?

They can help you pressure-test the numbers, but they cannot replace due diligence. Use them to spot obvious cash, loan, yield or rent issues before getting advice from a bank, lawyer, agent or tax professional.

Why do some results change when I edit one input?

Property decisions are linked. A higher price can change stamp duty, loan amount, down payment, yield and buy versus rent math at the same time. The point is to see how sensitive the decision is before you commit.

Suggested properties to explore

Start with active projects that have enough transaction depth to make the calculators more useful.

6 transaction-backed matches

All rankings Project directory