Property Calculator Singapore

BSD · ABSD · SSD · TDSR · MSR

Only for iPhone

Free · Designed for iPhone. Not verified for macOS.

iPhone

Every stamp duty and loan figure carries its regulator source and verification date — because a stale calculator is worse than no calculator. PropCalc SG is a mortgage compliance and decision engine for the Singapore property market. Every stamp duty, loan limit and affordability figure carries the regulator's source URL and the date it was last verified. Most property calculators hardcode their rates and quietly go stale. PropCalc SG resolves each rule by the date of your transaction: model a 2023 resale and it applies the rules in force in 2023 — including the superseded ABSD schedule and the pre-July-2025 Seller's Stamp Duty bands. START WITH THE CLIENT • Agents land on one question — who are you advising today? Create a client, pick an existing one, or import a name from your contacts (the system picker — no address-book access) • Each household gets a workspace: the price they can actually fund after downpayment and stamp duties, what to do next, and where you left off • Every money field shows thousands separators as you type STAMP DUTY — BSD · ABSD · SSD • Buyer's Stamp Duty at the progressive 1%–6% residential bands, on the higher of price or market value • Additional Buyer's Stamp Duty by profile — citizen, PR, foreigner, entity, trustee — with the 14-day payment deadline • Seller's Stamp Duty on the right schedule for your acquisition date, including the 4-year 16/12/8/4% bands for purchases from 4 Jul 2025 AFFORDABILITY — TDSR · MSR · LTV • Maximum loan under the 55% TDSR cap, stress-tested at the higher of the MAS floor or your rate • The 30% MSR cap for HDB flats and executive condos • The full MAS LTV ladder with tenure ceilings and the age-65 test • Variable-income haircut and pledged/unpledged asset recognition per MAS rules • The binding constraint is named — "why is my number not higher?" answered on screen HDB & CPF • HDB concessionary loan vs the DBS/POSB CPF-OA package vs a bank package, with an eligibility verdict for each • CPF housing grants — EHG, Family, Proximity and Fresh Start • Flat classification (Standard/Plus/Prime), MOP and wait-out rules UPGRADING, LOANS & TRACKING • Sell-first vs buy-first timelines, contra funding, priced extension-of-stay and ABSD remission windows • Fixed-to-SORA rate-reset simulator and refinancing break-even with clawback costs • Bank rate matrix — dated, labelled indicative • Purchase tracker with BUC progressive-payment drawdowns • Client dossiers as text, CSV or watermarked PDF; scenario compare; encrypted team-pack export between devices AI ASSISTANT — OFF BY DEFAULT • Optional "explain this result": calculation figures only — never client names or identifiers • Every generated line is checked against the engine's own output; anything it invents is discarded • Nothing is gated behind AI WHY EVERY FIGURE HAS A SOURCE Each result shows the rule behind it — effective date, regulator URL, verification date — and a banner warns when a rule is past its re-verification window. A plausible stale number is worse than no number. PRIVATE BY DESIGN No account, no analytics. Client data stays on the device, behind an optional PIN or Face ID lock. The only network calls are the optional market lookup and the opt-in AI narration. REGULATORY BOUNDARY PropCalc SG provides information, not advice. It does not recommend products, rank lenders or handle client money. Bank rates are indicative — always confirm with the lender. Statutory parameters are sourced from IRAS, MAS, HDB and CPF Board publications; where a figure rests on a secondary source the app says so, and the primary source governs.

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The developer, Satu Core Pte Ltd, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .

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    Information

    Seller
    Satu Core Pte Ltd
    Size
    28.1 MB
    Category
    Finance
    Compatibility
    Requires iOS 15.0 or later.
    • iPhone
      Requires iOS 15.0 or later.
    • iPod touch
      Requires iOS 15.0 or later.
    • Mac
      Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
    • Apple Vision
      Requires visionOS 1.0 or later.
    Languages
    English
    Age Rating
    4+
    Copyright
    © 2026 Satu Core Pte. Ltd.
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