Property calculators

Compare the true cost of renting versus buying over the years you'll stay: stamp duties, mortgage interest, upkeep, opportunity cost, and the equity you build, with a break-even year.

Estimate your HDB BTO, resale or condo renovation cost by size and scope, with a category-by-category breakdown, a realistic price range and a recommended contingency.

BSD band by band and ABSD for citizens, PRs, foreigners and entities, with joint buyers, married couple remission and the 14-day payment rule.

An interactive step-by-step Singapore renovation checklist, from budgeting and quotes through permits, hacking, carpentry and the final defects inspection. Progress saves automatically.

Work out Seller's Stamp Duty on a home or industrial property sold soon after purchase, with IRAS's 16% to 4% rates for homes bought from 4 Jul 2025 and the date SSD stops.

Work out your 2026 property tax from the Annual Value: owner-occupier and non-owner-occupier rates, the 2026 rebate for HDB flats and private homes, and GIRO instalments.

Stamp duty on a tenancy agreement: 0.4% of total rent for leases up to 4 years or of 4 times the average yearly rent beyond, the 14-day deadline and late penalties.

Singapore has no capital gains tax on property unless IRAS sees you as trading. Work out your net profit after BSD, ABSD, SSD, commission and interest, and your cash after the CPF refund.

Stamp duty on a shop, office, factory or warehouse: BSD at 1% to 5% on IRAS's rates, no ABSD, 9% GST, mortgage duty and Seller's Stamp Duty on industrial property sold within 3 years.

See what you pay at each stage of a new condo or EC under construction: the 5% booking fee, cash and CPF for the downpayment, bank disbursements and your instalment as the loan is drawn.

Work out your share of an en bloc sale by share value, strata area or a mix, less your loan, CPF refund with accrued interest and any SSD, and what your next home could cost.

Work out gross and net rental yield on a home you let out, after vacancy, property tax at non-owner-occupied rates, MCST, agent fees, insurance, repairs and mortgage interest, with the income tax on the rent.

Work out the BSD and any ABSD on the share transferred when you decouple a private home, SSD, legal fees and the CPF refund with accrued interest, against the ABSD saved on the next home.

Work out the home insurance cover you need: what HDB fire insurance or your condo's MCST policy already covers, the sum insured for renovation, furniture and belongings, and a landed home's rebuild cost on GIA's method.

Work out the cash from selling a condo or landed home after the bank loan and redemption penalty, the CPF refund with accrued interest, Seller's Stamp Duty, agent and legal fees.

Work out the legal fees and disbursements on top of a property price: HDB's own legal fees, SLA's registration and caveat fees, stamp and mortgage duty, and your lawyer's quote.

The cash you pay above the valuation for an HDB resale flat or private home, the loan and CPF on the lower of price or value, and stamp duty on the price.

What a home costs you each year to hold: loan interest, property tax, MCST or S&CC, insurance and CPF accrued interest, net of rent if you let it out.

Stamp duty and cash to buy a share of a home: BSD and ABSD on the share, the lower ABSD when you already own part of it, and the bank loan on the share.

Gross and net rental yield on a shop, office or industrial unit, with 10% property tax, non-residential BSD, GST on the price and rent, and loan interest.