Maximum Home Loan Calculator Singapore 2026
Find out the maximum home loan you can borrow in Singapore based on TDSR and MSR limits. Enter your income, existing debts, loan tenure, and interest rate to get an instant estimate.
$
$
years
%
Max Loan (TDSR 55%)$998,754.41
Max Loan (MSR 30%)$499,377.21
Recommended Loan Amount$499,377.21
Monthly Repayment at Max Loan$2,500.00
TDSR CheckPass
MSR CheckPass
How to Use This Calculator
- Enter your gross monthly income and existing monthly debt obligations.
- Select your property type — HDB or Private.
- Set your desired loan tenure and expected interest rate.
- View your maximum loan amount based on TDSR (and MSR for HDB), recommended loan, monthly repayment, and affordability checks.
Key Rates Used
| Metric | Limit |
|---|---|
| TDSR (all properties) | 55% of gross monthly income |
| MSR (HDB only) | 30% of gross monthly income |
| Max loan tenure | 30 years (Private) / 25 years (HDB) |
Last updated: March 2026 · MAS