Singapore Property Calculator Hub 2026 — All-in-One Buyer’s Toolkit
Every Singapore property purchase requires running 4-6 different calculations: Buyer’s Stamp Duty (BSD), Additional Buyer’s Stamp Duty (ABSD), Total Debt Servicing Ratio (TDSR), Mortgage Servicing Ratio (MSR), Loan-to-Value (LTV), and CPF Withdrawal Limit. This hub consolidates them all in one place.
By Alvin Tan, CEA R072324C, ERA Realty Network L3002382K.
Calculators on this site
- ABSD Calculator – 8 buyer profiles, married couple refund flagging
- BSD Calculator – tiered band engine with effective-rate display
- Total Stamp Duty Calculator (BSD + ABSD combined – run via above two)
- Downpayment Calculator – cash + CPF allocation per profile
- Rental Yield Calculator – gross + net yield with vacancy buffer
- Mortgage Affordability Calculator – TDSR + MSR stress test
Total Stamp Duty by buyer profile (2026 IRAS rates)
| Buyer profile | Property # | BSD | ABSD |
|---|---|---|---|
| Singaporean Citizen | 1st | Tiered (1-6%) | 0% |
| Singaporean Citizen | 2nd | Tiered | 20% |
| Singaporean Citizen | 3rd+ | Tiered | 30% |
| Permanent Resident | 1st | Tiered | 5% |
| Permanent Resident | 2nd | Tiered | 30% |
| Permanent Resident | 3rd+ | Tiered | 35% |
| Foreigner | Any | Tiered | 60% |
| Entity / Trust / Company | Any | Tiered | 65% |
Quick reference — financing rules 2026
- LTV (Loan-to-Value): 1st mortgage 75%; 2nd mortgage 45%; 3rd+ mortgage 35%
- TDSR: 55% of monthly income, stress-tested at 4% (medium-term assumption)
- MSR (HDB/EC): 30% of monthly income
- Cash component: Min 5% cash for 1st property; 25% cash for 2nd+ property
- CPF Withdrawal Limit: 100% of valuation up to Valuation Limit (typically valuation at purchase)
FAQ — Singapore property calculators
Why does ABSD differ for joint buyers?
When two buyers with different profiles purchase jointly, the HIGHER ABSD rate applies. SC + foreigner = foreigner ABSD (60%) on the property.
Can ABSD be refunded?
Yes, in specific scenarios. Most common is the Married Couple Refund: married couple buying their 2nd property can claim full ABSD remission if they sell their 1st within 6 months of TOP/CSC.
Is BSD calculated on purchase price or valuation?
Whichever is higher. IRAS uses the higher of the two to prevent under-stating purchase price.
How is CPF allocated between downpayment and stamp duty?
Strategic decision per buyer. Many buyers pay BSD/ABSD in cash to preserve CPF for the loan downpayment portion. Speak to mortgage broker for optimal allocation.
Which calculator should I run first?
ABSD calculator – the largest variable for most buyers. Start there, then BSD, then mortgage affordability.
WhatsApp Alvin Tan, CEA R072324C, at +65 8488 8648 for personalised eligibility analysis.
Last updated: 4 May 2026. ERA Realty Network L3002382K.
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