Property calculators
These are the same 34 Singapore property calculators Winfred Quek built for winfredquek.com, ABSD, BSD, affordability, mortgage rates, rental yield and more, mirrored here for Sun Facing Checker visitors. Pick a category below or search for a specific tool. Every calculator uses the same rates and formulas as the original.
Same calculators as winfredquek.com/tools, Winfred Quek's main site.
Buying
Property Progression Score
14 questions across Money, Timing and Safety. Get a 0 to 100 score plus a breakdown, no sign up.
ABSD Calculator
Full BSD + ABSD breakdown, 2026 rates, every buyer profile (SC / PR / Foreigner / Entity / joint).
BSD Tiered Breakdown
Buyer's Stamp Duty, tier by tier, residential and non residential.
Affordability Calculator
Max loan and max purchase price under TDSR (private) or MSR (HDB/EC), MAS 4% stress test applied.
Foreign Buyer 60% ABSD
Total stamp duty cost for foreign buyers, FTA exemption check, and structured alternatives.
BTO Ballot Probability Estimator
Estimate your odds of being shortlisted by town tier and flat type.
HDB Grant Eligibility
CPF Housing Grant, Enhanced Grant up to S$120k, Step Up, Proximity, and Family grants in one place.
HDB EIP / SPR Quota Checker
Verify resale flat EIP compliance before listing or buying, covers all Singapore towns.
HDB Resale Levy Calculator
Calculate your resale levy for a second BTO or EC.
OTP Review Checklist
15 point Singapore OTP checklist: title, caveats, CPF usage, loan approval, seller disclosure.
Walk Away Threshold Calculator
Set your walk away price before negotiating.
Concession Ladder Generator
Generate a 5 step negotiation concession ladder with diminishing increments.
Project Comparison Tool
Compare two Singapore condos side by side: PSF, tenure, rental yield, MRT distance, TOP date.
99 Year Leasehold Tail Discount
Bala's curve haircut for any remaining tenure.
Purchase Timeline
Dated milestones from OTP to key collection, for resale, new launch, or HDB.
Sale & Purchase Roadmap
Sell, buy, or both, every deadline in order so nothing slips.
Financing
Mortgage Rates 2026
Table of current Singapore bank packages across DBS, OCBC, UOB, SCB, Maybank, HSBC, Citibank.
TDSR / MSR Scenario Compare
Model rate shock scenarios at 3.5 to 5%, see max loan quantum side by side.
Loan Repayment Calculator
Monthly instalment, total interest, and year by year amortisation.
Mortgage Q&A
Answers on TDSR, MSR for HDB, SORA packages, lock in exits, and refinancing.
Selling
Should I Sell Now?
5 questions, instant SELL / WAIT / RESTRUCTURE / RENT OUT verdict.
Seller Motivation Scorer
Score seller motivation in 8 questions, gauge urgency signals.
Seller Stamp Duty Calculator
Calculate SSD based on sale price and holding period. 4% within 1yr, 3% within 2yr, 2% within 3yr, 0% after.
HDB Resale Price History
Search by block → view recent transaction prices, average prices, and identify fair market value.
HDB Market Trends Dashboard
Track price trends by town and flat type. Identify buying windows and market momentum over time.
Should I Sell Now?
5 questions, instant SELL / WAIT / RESTRUCTURE / RENT OUT verdict.
Seller Motivation Scorer
Score seller motivation in 8 questions, gauge urgency signals.
Co-Broke Commission Split Optimiser
Calculate fair Singapore co-broke commission splits.
HDB MOP Countdown
Days until your Minimum Occupation Period ends, then see your upgrade options.
HDB to Condo Upgrade ROI
Model 5, 10, and 15 year equity growth from upgrading.
HDB Valuation Tool
Free instant estimate for a HDB flat's resale value.
Net Proceeds Calculator
What a sale would actually pocket after fees, loan, and CPF refund.
Seller Stamp Duty Calculator
Calculate SSD based on sale price and holding period. 4% within 1yr, 3% within 2yr, 2% within 3yr, 0% after.
Restructuring
Decoupling Calculator (Restructuring Break Even)
Compare BSD + legal cost of the transfer vs ABSD saved on the next purchase.
Restructuring Strategy Break Even
BSD transfer cost vs ABSD savings, with CPF refund mechanics.
Quick Decoupling Estimate
A faster, manual entry version: ABSD savings vs estimated transfer cost.
Data & reports
Rental Yield & Breakeven
Gross yield, net yield after holding costs, monthly cashflow, years to breakeven.
SG Rental Yield Heatmap
Rental yield by district 2026: OCR, RCR, CCR gross yields with median PSF.
Property vs Equities
Model 10 and 20 year leveraged returns vs S&P 500 and STI.
SG Cooling Measure Timeline
Every Singapore cooling measure from 2009 to 2026.