Affordability Assessment

TDSR / MSR — what the bank will lend you

The same capacity grid a banker runs: your income against the 55% TDSR and 30% MSR caps, across private, EC, and HDB — then add your CPF, cash, and fees to see the maximum purchase price you can actually pay.

Applicant 1

Age

Monthly fixed income

Other annual income

Bonus, commission, rental — banks take a 30% haircut on variable income.

Monthly debt obligations

Car loan

Credit card minimums

Other loans

Assessment settings

MAS assessment rate

The stress-test rate banks must assess you at — not your actual package rate.Estimated package rate

For the indicative monthly instalment row only — TDSR/MSR capacity is always assessed at the MAS rate above.

Step 2 — CPF, cash & fees

Optional. Add your funds and we reverse-solve the maximum purchase price per property type — stamp duty, legal, agent, and misc fees included.

CPF OA available

Cash set aside

Only what you're prepared to put into this purchase.Legal / conveyancing

CPF OA can pay conveyancing on a purchase.

Agent fee

Cash only — CPF cannot pay commissions. Applied to the HDB column only (if you engage one); private resale and developer EC purchases carry no buyer-side fee.

Misc fees

Valuation, moving, reno deposits — cash only.

HDB financing

HDB column only: an HDB loan needs no minimum cash (beyond the ≤$5,000 deposit); a bank loan needs 5% hard cash. Both cap at 75% LTV.

Recognised income: $0/moIncome-weighted age: 35 yrs

Enter your income on the left to see your loan capacity across private, EC, and HDB — or switch to “I have a loan amount” above to skip income entirely and go straight to your maximum purchase price.

The loan is one number. The right purchase is a plan.

The Purchase Planner adds your cash, CPF, and stamp duties to find your true maximum budget — or talk it through with us.

Plan my purchase Arrange a consultation

Disclaimer

The tools on this page provide estimates for general reference only and do not constitute financial, legal, tax, or investment advice. Calculations are based on prevailing MAS, IRAS, HDB, and CPF rules and rates at the time of publication, which may change without notice. Actual figures — including loan eligibility, interest rates, stamp duties, and CPF usage — depend on your specific circumstances and the final assessment of banks, IRAS, and other relevant authorities. TRIBE makes no warranty as to the accuracy or completeness of any output and accepts no liability for decisions made in reliance on these tools. Please verify all figures with the relevant institutions or a qualified professional before committing to any transaction.