Free Tool
Mortgage Calculator
Estimate your monthly repayment, total interest cost, and TDSR ratio. HDB and private property presets included.
SGD
5%80%
%
1 yr35 yrs
SGD
Monthly Repayment
$3K
Principal + interest
Loan Amount
$600K
After 25% down payment
Total Interest
$301K
Over 25 years
Total Repayment
$901K
Principal + all interest
TDSR Ratio
Within TDSR limit37.5%
/ 55% max (MAS)
Loan Breakdown
Principal 67%Interest 33%
Repayment Analysis
As your loan balance falls, cumulative interest continues to rise — showing the true cost of the mortgage over time.
Figures are estimates based on a standard amortisation formula. Actual repayments may vary based on bank terms, fees, and rate changes. TDSR (Total Debt Servicing Ratio) limit of 55% is set by MAS. Consult a licensed financial advisor before making property decisions.