🇸🇬 Built for Singapore — Updated April 2026

Free Loan Calculators
for Singapore

Calculate home loan, HDB loan, car loan, personal loan and mortgage repayments instantly. Accurate MAS-compliant rates. No sign-up. 100% free.

Home Loan →HDB Loan →Car Loan →TDSR Check →Stamp Duty →
12Free Calculators
MASCompliant Rates
100%Free & Private
2026Updated Rates

Get Your Estimate in 3 Simple Steps

1
Pick Your Loan TypeChoose from 12 calculators below — home loan, car loan, TDSR check, stamp duty and more.
2
Enter Your DetailsMove the sliders or type your loan amount, interest rate and tenure directly.
3
See Instant ResultsYour monthly repayment, total interest and full amortization schedule appear instantly.

Singapore Loan Calculators

All calculators follow MAS guidelines — TDSR, LTV limits and Singapore bank rates included.

🔥 Most Popular
🏠

Home Loan Calculator Singapore

Calculate monthly repayments for private property home loans. Compare DBS, OCBC, UOB fixed and floating rates.

✓ Fixed & SORA ratesCalculate →
CPF Compatible
🏢

HDB Loan Calculator Singapore

Plan your HDB flat purchase with CPF OA usage, HDB concessionary loan rate (2.6% p.a.) and eligibility check.

✓ Includes CPF OACalculate →
Shows EIR
🚗

Car Loan Calculator Singapore

Estimate monthly car loan payments based on OMV and loan amount. Shows true EIR vs flat rate.

✓ OMV-based limitsCalculate →
New
🏍️

Bike Loan Calculator Singapore

Calculate motorcycle loan repayments in Singapore. MAS LTV limits applied with flat rate and EIR breakdown.

✓ Flat rate + EIRCalculate →
True Cost EIR
💳

Personal Loan Calculator Singapore

See the true cost of personal loans — flat rate vs EIR. Compare DBS, OCBC, Citibank and more.

✓ EIR comparisonCalculate →
Full Schedule
📋

Mortgage Calculator Singapore

Full mortgage repayment schedule with SORA-pegged rate simulation and principal/interest breakdown.

✓ Amortization tableCalculate →
MAS Regulated
📊

TDSR Calculator Singapore

Check your Total Debt Servicing Ratio against MAS 55% limit before applying for a home loan.

✓ Pass/Fail checkCalculate →
BSD + ABSD
🏛️

Stamp Duty Calculator Singapore

Calculate Buyer's Stamp Duty (BSD) and Additional Buyer's Stamp Duty (ABSD) for any property purchase.

✓ All buyer profilesCalculate →
Max Budget
💡

Affordability Calculator Singapore

Find out your maximum property price based on income, savings, TDSR and LTV limits.

✓ TDSR + MSR checkCalculate →
MOE Rates
🎓

Education Loan Calculator Singapore

Plan student loan repayments for NUS, NTU, SMU, SUTD and overseas universities. Includes MOE TFL rates.

✓ 2.5% MOE rateCalculate →
Cap S$30K
🔨

Renovation Loan Calculator Singapore

Calculate monthly renovation loan repayments. Capped at S$30,000 with up to 5-year tenure.

✓ Shows EIRCalculate →
No TDSR Limit
🏗️

Commercial Property Loan Calculator

Estimate monthly repayments for commercial property loans. No TDSR limit for commercial properties.

✓ Up to S$10MCalculate →

Why Use Our Loan Calculators?

Built for Singapore's unique financial market — CPF, TDSR, SORA, MAS regulations all included.

⚡

Instant Results

Real-time calculations as you adjust sliders. No page reload, no waiting.

🎯

Singapore-Specific

Built for MAS guidelines, CPF rules, TDSR, HDB eligibility and local bank rates.

📊

Full Amortization

Complete repayment schedule with principal and interest breakdown for every month.

🔒

100% Private

No account needed. Your financial data never leaves your browser — zero tracking.

✅

MAS-Compliant

All calculations follow Monetary Authority of Singapore loan limits and guidelines.

📱

Mobile Friendly

Works perfectly on all devices. Calculate on the go anywhere in Singapore.

Singapore Bank Loan Rates 2026

Indicative rates from major Singapore banks. Updated . Use our calculators with any rate.

BankHome Loan (Fixed)Home Loan (SORA)Personal Loan (EIR)Car Loan (Flat)
DBS Bank3.10% p.a.SORA + 0.85%6.99% p.a.2.78% p.a.
OCBC Bank3.18% p.a.SORA + 0.88%7.50% p.a.2.68% p.a.
UOB3.15% p.a.SORA + 0.90%7.28% p.a.2.88% p.a.
Maybank3.08% p.a.SORA + 0.82%8.00% p.a.2.78% p.a.
Standard Chartered3.20% p.a.SORA + 0.92%7.99% p.a.2.88% p.a.
Citibank3.25% p.a.SORA + 0.95%8.50% p.a.2.98% p.a.
HSBC3.12% p.a.SORA + 0.86%7.80% p.a.2.85% p.a.

⚠️ Rates are indicative only. Contact banks directly for exact current rates. SORA = Singapore Overnight Rate Average. EIR = Effective Interest Rate.

Calculate with these rates:Home Loan →Car Loan →Personal Loan →Mortgage →

Singapore Loan Calculator Guide

LoanCalculatorSingapore.com provides free, accurate loan calculators designed for Singapore's MAS-regulated market. Whether you're planning to buy an HDB flat via BTO or resale, a private condominium, a car, or a motorcycle, our calculators give you realistic estimates before you approach any bank.

Singapore's loan market is governed by the Monetary Authority of Singapore (MAS), which mandates a Total Debt Servicing Ratio (TDSR) of 55% for all property loans, and a Mortgage Servicing Ratio (MSR) of 30% for HDB purchases. Our calculators automatically apply these limits so you get realistic estimates.

For home loans, Singaporeans can choose between fixed-rate packages (2–3 year lock-in, ~3.08%–3.25% p.a.) and SORA-pegged floating rates (3M SORA + spread). Use our mortgage calculator to compare both scenarios side by side.

Singapore Loan Calculator — FAQ

Common questions about loans, TDSR, CPF and stamp duty in Singapore.

What is the maximum home loan tenure in Singapore?

What is the current HDB loan interest rate in Singapore?

What is TDSR and how does it affect my loan?

How much can I borrow for a car loan in Singapore?

What is the difference between flat rate and EIR for personal loans?

Can I use CPF to pay my home loan in Singapore?

How do I calculate my ABSD in Singapore?

About Loan Calculator Singapore

LoanCalculatorSingapore.com is Singapore's free online loan calculator tool, covering home loans, HDB loans, car loans, bike loans, personal loans, renovation loans, education loans and commercial property loans. All 12 calculators are built specifically for Singapore's MAS-regulated market.

Our home loan calculator Singapore and HDB loan calculator Singapore incorporate Singapore-specific rules: CPF Ordinary Account usage, LTV limits, TDSR 55% cap, MSR 30% cap, HDB loan eligibility, BTO and resale flat financing, and current SORA rates from Singapore banks including DBS, OCBC, UOB, Maybank, Standard Chartered, HSBC and Citibank.

For vehicles, our car loan calculator Singapore and bike loan calculator Singapore apply MAS OMV-based LTV limits automatically and display the true Effective Interest Rate (EIR) alongside the advertised flat rate — letting you compare loan offers accurately. For property buyers, our stamp duty calculator covers all BSD and ABSD scenarios, while our TDSR calculator helps you check eligibility before applying.

Disclaimer: All calculations are estimates for informational purposes only. LoanCalculatorSingapore.com is not a licensed financial adviser under the Financial Advisers Act (Cap. 110). Always consult a licensed adviser or your bank before making financial decisions.