Calculators
Know the numbers before you decide
11 tools for Singapore property. Each one answers a plain question, shows its assumptions on screen and names the date of every rule it uses.
- Assumptions always on screen
- Rules shown with their dates
- Your inputs stay in your browser
Showing all 11 calculators
- FreeInvest
What return will this property earn?
IRR, net yield and monthly cash flow from your price, loan, rent and costs.
Purchase ROI and IRROpen - FreeBuyFinance
What will it really cost to buy?
Stamp duties, fees and renovation on top of the price, and the cash you need on day one.
Total cost of buyingOpen - FreeSell
How much cash will I walk away with?
Sale price less duty, fees, loan and CPF refund, down to the net cash and gain.
Seller's proceedsOpen - FreeSellInvest
Should I hold or sell now?
Compares keeping the property with selling and investing the cash, and finds the break-even growth.
Hold or sellOpen - FreeFinanceInvest
What if interest rates jump?
Your monthly payment and TDSR if SORA rises one, two or three points.
Rate stress testOpen - FreeFinanceBuy
What will my monthly payment be?
Payment, interest and the year-by-year table for a fixed-then-floating loan, with the TDSR check.
Mortgage calculatorOpen - FreeBuy
Is it better to buy or to rent?
The year when owning leaves you with more than renting, after every cost and the return on your deposit.
Buy or rentOpen - FreeInvest
What yield does this rent give?
Gross, vacancy-adjusted and net yield, set against the median for the region.
Rental yieldOpen - FreeBuySell
Can I upgrade from my HDB flat?
MOP date, sale proceeds, CPF refund, loan limits and the cash you need, on one timeline.
Upgrader planner (HDB or EC to private)Open - FreeInvest
How does a shop, office or factory stack up?
Cap rate, price per sq ft, lease decay, stamp duty and loan limits for non-residential property.
Commercial and industrial propertyOpen - FreeInvestBuy
How did buying at different times turn out?
Pick a past quarter and a segment. See the index return to now and to the next peak.
When and what simulatorOpen
How to use these
Three steps, no sign-up
Pick your question
Each tool starts with a question, such as what buying really costs. Use the filter to find the one you need.
Change the numbers
Type a value or drag a slider. The result moves as you go. Every default is a plain starting point, not a forecast.
Share or keep it
Copy the link, copy the results as text, or print the page. The link holds your inputs and nothing else.