Affordability planner
Estimate a loan amount from your income, monthly budget and savings.
Income and savings
This is a payment-based planning amount. Loan-to-value limits, eligibility, other debts, remaining lease, CPF usage limits and purchase fees can reduce what you can buy.
Check your funding planHow this works & sources
The chosen budget defaults to 25% of gross income as a planning preference. The 30% upper slider boundary reflects the published Mortgage Servicing Ratio ceiling for relevant HDB/EC lending; it is not a loan approval. A lender's assessment can use a different qualifying interest rate and additional limits.
We reverse the equal-payment mortgage formula using your chosen rate and period. The combined amount adds only the savings you enter; no grant or maximum loan-to-value entitlement is assumed.
Last updated 28 October 2026. Confirm eligibility and financing with HDB or your lender.