TopBroker · Mega Affordability Calculator

How Much Property Can You Comfortably Afford?

Singapore-style stress test using MSR / TDSR, loan tenure, interest rate, CPF & cash savings.

1. Your Profile & Income

Start with the basics so we can stress test your loan safely.

Age

Used for max loan tenure (up to 65 years old).

Household gross income (monthly)

Before CPF, for all borrowers combined.

Other monthly debt (car, credit, etc.)

Used in TDSR: 55% cap of income.

Property type you’re buying

HDB / EC uses MSR 30% + TDSR 55%.

How many housing loans do you currently have?

0 (1st property) 1 (2nd property) 2 or more

We apply a simplified LTV cap approximation by loan count (education purpose).

2. Savings & Loan Settings

We estimate both max loan and property price based on your funds.

CPF OA available

Cash available for property

Interest rate (per year)

Stress test rate (for planning only).

Loan tenure (years)

We cap tenure so that age + tenure ≤ 65.

* Planning tool only. Final loan approval is subject to bank / HDB rules and latest MAS guidelines.

3. Your Results

A rough guide of what’s comfortable under MSR/TDSR.

Max Property Price (est.)

Capped by loan + LTV + (basic) BSD buffer.

Max Loan You Can Support

Based on MSR/TDSR and tenure.

Est. Monthly Instalment

Monthly cap under MSR/TDSR.

Income Used for Housing

Share of gross income used for housing.

Enter your details on the left and click “Calculate Affordability” to see your results.

4. CPF & Cash Required

We compare your savings vs the estimated minimum.

Required CPF + Cash (min.)

Equity + basic BSD estimate (education only).

Your CPF + Cash

Total CPF OA + cash entered.

Shortfall / Surplus

We’ll show if you’re short or above.

Want a customised roadmap for your next move?

Share your current flat, loans and savings — we’ll help you map safe options to upgrade, right-size or invest.