Singapore Property Purchase Cost Calculator
Plan your Singapore property purchase with confidence. This free calculator covers Buyer's Stamp Duty
(BSD),
Additional Buyer's Stamp Duty (ABSD), monthly mortgage repayments, TDSR, MSR, and total upfront costs —
all in one place, updated to the latest Apr 2023 cooling measure rates.
What This Calculator Can Do
- BSD Calculator: Compute Buyer's Stamp Duty across all six rate tiers (1%–6%),
including
the 6% tier for residential properties above S$3 million.
- ABSD Calculator: Calculate Additional Buyer's Stamp Duty for Singapore Citizens,
PRs,
Foreigners, and Entities across first, second, and subsequent purchases — based on the current Rev
6.0
rates effective 27 April 2023.
- Mortgage & Monthly Payment: Estimate your monthly instalment based on loan
amount,
interest rate, and tenure. Works for both HDB and private property loans.
- TDSR Check: Verify whether your total debt obligations stay within the 55% Total
Debt
Servicing Ratio threshold required by MAS for most property loans.
- MSR Check: Check adherence to the 30% Mortgage Servicing Ratio limit, which applies
to
HDB flat and Executive Condominium (EC) purchases.
- Loan Amount Calculator: Work backwards from an affordable monthly payment to find
your
maximum loan quantum.
- Cooling Measure History: Switch between Rev 4.0 (Sep 2022), Rev 5.0 (Feb 2023), and
Rev 6.0 (Apr 2023) rate tables to compare stamp duty under different policy periods.
How to Use the SG Property Calculator
- Enter the property price on the main screen, then tap ABSD to select your buyer
profile (SC / SPR / Foreigner / Entity) and number of existing properties.
- Tap BSD to calculate Buyer's Stamp Duty on the same price, or use
=
after entering an expression to get a running total that includes both stamp duties.
- Switch to Mortgage mode to calculate monthly repayments or maximum loan size,
entering
loan amount, annual interest rate, and loan tenure in years.
- Use TDSR / MSR modes to verify borrowing limits against your
monthly
income.
Frequently Asked Questions
What ABSD rates apply in 2024–2025?
Under Rev 6.0 (effective 27 April 2023), Singapore Citizens pay 0% ABSD on their first home, 20% on the
second, and 30% on the third and beyond. Singapore PRs pay 5% / 30% / 35%. Foreigners pay a flat 60%
regardless of property count, and entities pay 65%.
How is BSD calculated in Singapore?
BSD uses a tiered marginal-rate system. The first S$180,000 is taxed at 1%, the next S$180,000 at 2%, the
next S$640,000 at 3%, the next S$500,000 at 4%, the next S$1,500,000 at 5%, and any amount above
S$3,000,000 at 6% (residential only). This calculator applies all tiers automatically.
What is TDSR and how does it affect my purchase?
Total Debt Servicing Ratio (TDSR) limits your total monthly debt obligations — including the new mortgage
—
to 55% of your gross monthly income. Staying within TDSR is required for most bank loans. Use the TDSR
mode to check whether your planned purchase fits within this cap.
What is MSR and when does it apply?
Mortgage Servicing Ratio (MSR) caps mortgage repayments at 30% of gross monthly income and applies
specifically to HDB flat loans and loans for Executive Condominiums (ECs) bought from developers. It is
stricter than TDSR and only counts the property loan — not other debts.
Is this SG Property Calculator free to use?
Yes. This tool is free to use online for planning and comparison purposes. No registration or login is
required.
Does this calculator cover joint purchases?
For joint purchases, the higher ABSD rate among all co-buyers applies to the full purchase price. Set
your
buyer profile to the profile with the higher rate (e.g. choose Foreigner if one co-buyer is a foreign
national) to get the correct ABSD figure.
Can I compare stamp duty under older cooling measure rounds?
Yes. Use the version selector at the top of the calculator to switch between the Sep 2022 (Rev 4.0),
Feb 2023 (Rev 5.0), and Apr 2023 (Rev 6.0) rate tables. This is useful for understanding how policy
changes affect purchase costs.
新加坡房产购买成本计算器
自信规划您的新加坡房产购买计划。这款免费计算器涵盖买方印花税（BSD）、额外买方印花税（ABSD）、每月房贷还款、TDSR、MSR以及总预付费用——一站式搞定，并已更新至2023年4月最新降温措施税率。
本计算器的功能
- BSD计算器：按全部六个税率级距（1%至6%）计算买方印花税，包括价值超过300万新元的住宅物业适用的6%税率。
- ABSD计算器：根据2023年4月27日生效的最新6.0版税率，为新加坡公民、永久居民、外国人及机构计算首套、第二套及后续房产的额外买方印花税。
- 房贷与每月还款：根据贷款额、利率和年限估算每月还款额，适用于组屋与私宅贷款。
- TDSR检查：核实您的总债务承担是否符合金管局（MAS）大多数房贷所要求的55%总偿债比率（TDSR）上限。
- MSR检查：核实是否符合适用于组屋及执行共管公寓（EC）购买的30%房贷偿还比率（MSR）上限。
- 贷款额计算器：从您可负担的每月还款额反推，得出您可申请的最高贷款额。
- 降温措施历史记录：可在4.0版（2022年9月）、5.0版（2023年2月）及6.0版（2023年4月）税率表之间切换，比较不同政策时期的印花税差异。
如何使用新加坡房产计算器
- 在主屏幕输入房产价格，然后点击ABSD选择您的买家身份（公民/永久居民/外国人/机构）及现有房产数量。
- 点击BSD即可计算同一价格的买方印花税，或在输入算式后按=键获取包含两项印花税的合计金额。
- 切换至房贷模式，输入贷款额、年利率及贷款年限，即可计算每月还款额或最高贷款额度。
- 使用TDSR/MSR模式，根据您的月收入核实借贷额度上限。
常见问题
2024至2025年适用的ABSD税率是多少？
根据2023年4月27日生效的6.0版税率，新加坡公民购买第一套房产免ABSD，第二套需缴20%，第三套及以上需缴30%。新加坡永久居民则分别为5%、30%及35%。外国人无论持有多少房产，一律缴纳60%的ABSD，机构则一律缴纳65%。
新加坡的BSD如何计算？
BSD采用累进阶梯税率计算：首18万新元按1%征税，接下来的18万新元按2%，再接下来的64万新元按3%，再接下来的50万新元按4%，再接下来的150万新元按5%，超过300万新元的部分按6%征税（仅限住宅物业）。本计算器会自动套用所有税率级距。
什么是TDSR？它如何影响我的购房计划？
总偿债比率（TDSR）规定，您每月的总债务承担（包括新房贷）不得超过您月总收入的55%。大多数银行贷款都要求符合此比率。您可使用TDSR模式，核实您的购房计划是否符合此上限。
什么是MSR？何时适用？
房贷偿还比率（MSR）将房贷还款额上限设定为月总收入的30%，专门适用于组屋贷款及向发展商购买的执行共管公寓（EC）贷款。MSR比TDSR更为严格，且仅计入房贷，不包含其他债务。
这个新加坡房地产计算器是免费使用的吗？
是的。此工具可免费在线使用，供规划和比较用途，无需注册或登录。
此计算器是否适用于联名购房？
在联名购房的情况下，所有共同买家中较高的ABSD税率将适用于全部购房款项。请将买家身份设定为税率较高的一方（例如若其中一位共同买家为外国人，则应选择“外国人”），以获得正确的ABSD金额。
我可以比较旧版降温措施下的印花税吗？
可以。使用计算器顶部的版本选择器，即可在2022年9月（4.0版）、2023年2月（5.0版）及2023年4月（6.0版）的税率表之间切换，有助于了解政策变化如何影响购房成本。
6.0
