# HDB Calculator SG

> Free Singapore HDB flat affordability and CPF grant calculator — work out your maximum HDB loan under MSR/TDSR rules, estimate the CPF housing grants you qualify for, and compare HDB vs bank loans, with no sign-up required.

HDB Calculator SG (hdbcalculator.com) offers two free tools for Singapore home buyers: an HDB affordability calculator (MSR, TDSR, maximum loan, downpayment, amortisation schedule, HDB vs bank loan comparison) and a CPF grant eligibility calculator (EHG, CPF Housing Grant, Proximity Housing Grant, Step-Up Grant). It also publishes step-by-step guides on HDB loans, BTO vs resale, CPF usage rules, CPF accrued interest, grant eligibility, and the resale levy, all updated for 2026 using official Singapore government sources (HDB, CPF Board, MAS).

## Full figure reference

- [Full figure reference](https://hdbcalculator.com/llms-full.txt): Every grant amount, income ceiling, loan limit, CPF rate and resale levy this site publishes, inline as tables, each with its authority, source URL and the date it was last verified. Generated from the figure register, not hand-typed. Figures that could not be verified are listed by name with no value.

## Core pages

- [HDB Affordability Calculator](https://hdbcalculator.com/): Work out how much HDB flat you can afford — MSR, TDSR, max loan, CPF grant estimate, HDB vs bank loan and amortisation schedule.
- [HDB CPF Grant Calculator](https://hdbcalculator.com/grants.html): Check which CPF housing grants you qualify for — EHG, CPF Housing Grant, Proximity Grant, Step-Up Grant.
- [BTO Affordability Calculator](https://hdbcalculator.com/bto-calculator.html): Work out how much a Build-To-Order (BTO) HDB flat you can afford — BTO-specific timeline, staggered downpayment, MSR/TDSR limits and grant estimate for first-timers.
- [HDB Guides & Resources](https://hdbcalculator.com/guides.html): Index of free HDB guides — HDB loan application, BTO vs resale, CPF usage, resale levy, grant eligibility.
- [HDB FAQ 2026](https://hdbcalculator.com/faq.html): Plain answers on MSR, TDSR, CPF grants, HDB vs bank loans, PR eligibility, singles buying HDB and the resale levy.
- [About HDB Calculator SG](https://hdbcalculator.com/about.html): What the site is — free tools for HDB affordability, CPF grant eligibility, MSR/TDSR limits and loan comparisons.
- [Editorial Policy](https://hdbcalculator.com/editorial-policy.html): How every rate, grant and income ceiling on the site is sourced from HDB, CPF Board and MAS, how often each figure is rechecked, which figures are estimates, and how to report an error.
- [For AI & Researchers](https://hdbcalculator.com/for-ai.html): Structured reference for AI language models and answer engines — what the calculators compute, the official 2026 Singapore sources used, and common HDB misconceptions corrected.

## Guides

- [How to Apply for an HDB Loan: Step-by-Step Guide](https://hdbcalculator.com/blog/apply-hdb-loan-singapore.html): Applying for an HDB Concessionary Loan in 2026 — eligibility, documents, HLE letter, and when a bank loan makes sense.
- [HDB BTO vs Resale 2026: Which Is Cheaper After Grants?](https://hdbcalculator.com/blog/hdb-bto-vs-resale-2026.html): BTO vs resale comparison with real numbers for a first-timer couple earning $7,000/month.
- [CPF Usage for HDB 2026: Limits & Rules Explained](https://hdbcalculator.com/blog/cpf-usage-hdb-2026.html): Valuation Limit, Withdrawal Limit, accrued interest, lease decay rules, and how to avoid a negative sale.
- [CPF Accrued Interest on Your HDB Flat](https://hdbcalculator.com/blog/cpf-accrued-interest-hdb-2026.html): Why CPF money used for housing keeps earning the OA rate, how the P+I refund is deducted from sale proceeds, and an estimator for the number.
- [HDB Grant Guide 2026: EHG, CPF & Proximity Grants](https://hdbcalculator.com/blog/hdb-grant-guide-2026.html): All 4 HDB grants in 2026 — EHG, CPF Housing Grant, Proximity Housing Grant and Step-Up Grant, with stacking rules and maximisation tips.
- [HDB Grant Eligibility Guide 2026: What You Qualify For](https://hdbcalculator.com/blog/hdb-grant-eligibility-guide.html): Check grant eligibility in 5 steps — income tiers, citizenship mix, first-timer vs second-timer, examples with up to $230,000 in grants.
- [HDB Resale Levy Guide for Singaporeans](https://hdbcalculator.com/blog/resale-levy-singapore.html): How much resale levy you pay, when it applies, waiver conditions, and whether to skip the CPF Housing Grant to avoid it.

## Grant pages

- [HDB Enhanced CPF Housing Grant 2026: EHG Amount by Income](https://hdbcalculator.com/hdb-ehg-2026.html): EHG amounts by income band, the $9,000 family and $4,500 singles income ceilings, eligibility conditions and how the EHG stacks with the other grants.
- [CPF Housing Grant 2026: Amounts and Eligibility](https://hdbcalculator.com/cpf-housing-grant-2026.html): CPF Housing Grant amounts by household citizenship and resale flat size — $80,000 or $50,000 for two Citizens, $60,000 or $40,000 for SC/PR, half for singles.
- [Proximity Housing Grant 2026: Check the 4km Rule and Amount](https://hdbcalculator.com/hdb-proximity-grant-2026.html): $30,000 living with parents or a married child, $20,000 within 4km, half for singles, what HDB does and does not publish about how the 4km is measured, and why it has no income ceiling.
- [Step-Up CPF Housing Grant 2026](https://hdbcalculator.com/hdb-step-up-grant-2026.html): the $15,000 second-timer grant — the flat you buy must be a 2- or 3-room flat, household income must be at or under $7,000, and it applies to a new flat as well as resale.
- [HDB Grants for Singles 2026](https://hdbcalculator.com/hdb-singles-grant-2026.html): up to $115,000 on a resale flat and $60,000 on a new flat, the minimum age of 35, the $4,500 EHG and $7,000 CPF Housing Grant ceilings, and what a single may buy.
- [HDB Downpayment 2026](https://hdbcalculator.com/hdb-downpayment-2026.html): how much downpayment an HDB flat needs in 2026 — 25% of the price under both the HDB and the bank 75% Loan-to-Value limits, with no minimum cash component on an HDB housing loan and at least 5% in cash on a bank loan, the 55% lower tier and what triggers it, the 10% and 20% instalments due at the signing of the Agreement for Lease, and a worked $600,000 example.
- [HDB Resale Levy 2026](https://hdbcalculator.com/hdb-resale-levy-2026.html): every resale levy amount for 2026 — the fixed schedule by first-flat type including the $55,000 Executive Condominium row, the pre-3-March-2006 percentage schedule, the half rate for Singles Grant recipients, and the purchases that carry no levy at all.
- [Singapore HDB Government Grants 2026: All Amounts Listed](https://hdbcalculator.com/hdb-grant-amounts-2026.html): the hub page — every grant amount, every income ceiling, the flat-size tiers and which grants stack, for first-timers, singles and second-timers.

## Optional

- [Contact Us](https://hdbcalculator.com/contact.html): Questions or feedback about HDB Calculator SG.
- [Privacy Policy](https://hdbcalculator.com/privacy.html): What data the site collects, cookie usage and third-party ad partners.
- [Cookie Notice](https://hdbcalculator.com/cookie.html): Which cookies and third-party services the site uses and how to opt out.
- [Terms of Service](https://hdbcalculator.com/terms.html): Informational use only, no financial advice, accuracy disclaimer and limitation of liability.