Perfingo
Free tools
Free Singapore property, tax and CPF calculators
Perfingo has nine free calculators for Singapore. Four are for buying a home (HDB loan, HDB downpayment and CPF housing grants, a bank home loan, and stamp duty) Three are for your income and CPF (your income tax after reliefs, your monthly CPF contributions and your CPF LIFE payout from 65), and two are for splitting a bill with friends and collecting it by PayNow QR. The property, tax and CPF calculators use figures checked against HDB, the CPF Board, IRAS or MAS and list their sources. None needs a sign-up.
Free, no sign-up · Last updated: October 2026
Property
Property calculators
Buying an HDB flat or a private home: the loan, the cash and CPF you need, and the tax.
HDB Loan Calculator
Your HDB loan, monthly repayment and how much CPF it uses.
Open the calculatorHDB Downpayment Calculator
Your downpayment and CPF housing grants, BTO or resale.
Open the calculatorBank Loan Calculator
A bank loan’s monthly instalment, with TDSR and MSR checks.
Open the calculatorStamp Duty Calculator
Buyer’s Stamp Duty and ABSD on a residential property.
Open the calculatorIncome & CPF
Income & CPF calculators
The income tax on your pay after reliefs, what goes into your CPF each month, and what CPF LIFE pays you back from 65.
Split & pay
Split & pay calculators
Splitting a bill with friends, to the cent, and a PayNow QR so they can pay you back. Split by Perfingo.
Where to start
Which calculator do I need?
Pick the line closest to what you are doing. Most home buyers use two or three of these together.
| If you are | Use |
|---|---|
| Buying an HDB flat with an HDB loan | HDB Loan CalculatorHDB Downpayment Calculator Start with the loan and monthly repayment, then see the downpayment and which CPF housing grants cut it. |
| Buying an HDB flat or a private home with a bank loan | Bank Loan Calculator Checks the monthly instalment against the Total Debt Servicing Ratio (TDSR) and, for HDB flats and ECs, the Mortgage Servicing Ratio (MSR). |
| Any home purchase, to budget the tax | Stamp Duty Calculator Buyer's Stamp Duty (BSD) applies to every purchase. Additional Buyer's Stamp Duty (ABSD) depends on residency and how many homes you own. |
| Filing taxes or checking take-home after tax | Income Tax Calculator Works out your chargeable income after reliefs such as CPF, child, parent and SRS relief, then the tax bracket by bracket at IRAS’s resident rates. |
| Starting a job, a raise, or checking a payslip | CPF Contribution Calculator Splits your CPF into your share and your employer’s, at the current rates for your age. |
| Splitting a bill or a trip with friends | Split Bill CalculatorPayNow QR Generator Split the total paid equally or by who had what, to the cent, then show each friend a PayNow QR for their share. |
| Planning for retirement or turning 55 | CPF LIFE Calculator Shows the retirement sums and an estimated monthly CPF LIFE payout from 65. |
Last updated: . Each calculator lists its official sources and the date its figures were checked. Results are estimates, not financial advice.
Each calculator answers one question. See them in one plan.
A flat, your CPF and your retirement are goals in one plan that runs to 100. Perfingo plans them together, in one subscription.
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