Singapore Financial Calculators
Free calculators for Singapore residents and PRs. HDB loan at 2.6%, CPF contribution rates by age group, GST at 9% (since January 2024), progressive income tax, and the latest BSD + ABSD stamp duty rates.
Singapore HDB Mortgage Calculator
Calculate monthly HDB loan repayments. HDB loans at 2.6% (CPF-OA rate + 0.1%). TDSR limit is 55% of gross income.
HDB loan rate is 2.6% (CPF-OA rate of 2.5% + 0.1%), max tenure 25 years. Bank loans pegged to SORA (~4–4.5% as at April 2026). TDSR must not exceed 55% of gross monthly income.
CPF Contribution Calculator
Calculate monthly CPF contributions (OA/SA/MA split) for employees and employers. Rates for citizens and PRs under 55.
Rates are for Singapore Citizens and PRs (3rd year onwards). OW ceiling is S$7,400/month. AW ceiling is S$102,000 minus OW for the year. CPF interest: OA 2.5%, SA 4%, MA 4%.
Singapore GST Calculator
Add or remove 9% Singapore GST. GST rate increased to 9% from 1 January 2024.
Singapore GST rate is 9% effective 1 January 2024 (raised from 8%). Certain items (residential properties, financial services) are exempt.
Singapore Income Tax Calculator
Calculate Singapore personal income tax (YA 2025). Progressive rates 0–24% for tax residents.
Singapore tax rates for residents YA 2025. Non-residents are taxed at 24% (or 15% on employment income, whichever is higher). Does not include CPF relief or other personal reliefs.
Singapore Stamp Duty Calculator (BSD + ABSD)
Calculate Buyer's Stamp Duty (BSD) and Additional Buyer's Stamp Duty (ABSD) for Singapore properties.
ABSD rates current as of April 2026. SC = Singapore Citizen, SPR = Singapore Permanent Resident. Foreigner ABSD is 60% (raised April 2023). Married couples with mixed citizenship may qualify for remission.
Financial Calculators for Singapore Residents
Singapore's financial landscape is unique: CPF mandatory contributions fund housing, retirement, and healthcare through the OA, SA, and MA accounts. HDB loans remain pegged at 2.6% (CPF-OA rate + 0.1%), while bank loans track SORA at roughly 4–4.5% as of April 2026. GST was raised to 9% in January 2024.
ABSD rates were significantly increased in April 2023: Singapore Citizens buying a second property now pay 20%, PRs 30% on second property, and foreigners 60%. Our stamp duty calculator covers both BSD and ABSD with all current buyer profiles.