How much can you borrow?

TDSR & MSR Calculator

Find out the maximum home loan and purchase price your income supports, using the same TDSR, MSR and 4% stress test the banks use.

Estimates only, based on current IRAS, MAS and CPF rules.

Property type

MSR (30%) applies to HDB flats and new ECs.

Year of birth · buyer 1

Fixed monthly income · buyer 1 *

Variable income · buyer 1

Bonus, commission, allowances. Banks count 70%.

Monthly loan repayments · buyer 1

Year of birth · buyer 2

Fixed monthly income · buyer 2

Variable income · buyer 2

Monthly loan repayments · buyer 2

Price of the home you have in mind

Leave blank to see your maximum price.

TDSR: all monthly loan repayments, including the new home loan, must be within 55% of gross income.
MSR: for HDB flats and new ECs, the home loan alone must be within 30% of gross income.
Banks test the loan at 4% interest, even when actual rates are lower.
Loan tenure: up to 30 years (25 for HDB), ending by age 65. Joint buyers use the income-weighted average age.
First housing loan: up to 75% of the price.