Finance & Loan Calculation Tools
Calculate mortgage amortization schedules, compound interest returns, sales tax, auto loans, and retirement fund projections with enterprise-grade 0-drift accuracy.
Singapore CPF Contribution & Net Take-Home Pay Calculator (2026)
Calculate 2026 Singapore CPF contributions for Citizen and PR, S$8,000 Ordinary Wage ceiling, Additional Wage bonus cap, and OA/SA/MediSave distribution.
CPF LIFE Retirement Sum & Payout Estimator (2026)
Estimate lifelong monthly retirement payouts under Singapore CPF LIFE based on age 55 RA savings (BRS $106.5k, FRS $213k, ERS $426k) and plan choice.
CPF Compound Interest & Extra Tiered Interest Calculator
Calculate guaranteed compound growth across OA (2.5%), SA/MA (4.05%), and extra 1% to 2% tiered government interest for up to 30 years.
CPF Housing Accrued Interest & Refund Calculator
Calculate mandatory CPF housing refunds (Principal + 2.5% compound accrued interest), mortgage payoff, and net cash proceeds upon property sale.
CPF RSTU Top-Up & Tax Relief Calculator (2026)
Calculate direct cash tax savings from topping up your own and loved ones' CPF accounts up to S$16,000 under RSTU, combined with 4.05% returns.
Singapore BSD & ABSD Property Stamp Duty Calculator (2026)
Calculate Buyer's Stamp Duty (1% to 6%) and latest Additional Buyer's Stamp Duty (ABSD: Citizen 2nd 20%, PR 5%/30%, Foreigner 60%) in Singapore.
Singapore Seller's Stamp Duty (SSD) Calculator
Calculate Seller's Stamp Duty (12%, 8%, 4%) when disposing of residential property within 3 years, and compare net profit across holding tiers.
Singapore TDSR & MSR Mortgage Borrowing Power Calculator
Calculate maximum mortgage loan eligibility under MAS Total Debt Servicing Ratio (≤55% TDSR) and Mortgage Servicing Ratio (≤30% MSR) guidelines.
HDB Concessionary Loan vs Bank SORA Mortgage Calculator
Compare HDB Concessionary Loan (2.6%, 100% CPF downpayment) vs Commercial Bank SORA Mortgage (mandatory 5% cash, lock-in fees) side-by-side.
Singapore HDB Housing Grants & EHG Eligibility Calculator (2026)
Calculate eligibility for Singapore's enhanced housing grants: Enhanced CPF Housing Grant (EHG up to $120k), Resale Family Grant, and PHG.
Singapore Property Sale Cash Proceeds Calculator (2026)
Calculate net cash in hand from selling an HDB flat or condo after outstanding loan payoff, CPF accrued interest refund, resale levy, and agent commissions.
Singapore EC Deferred Payment & Upgrader Affordability Calculator
Assess Executive Condominium (EC) affordability for HDB upgraders under 30% MSR, compare Deferred Payment Scheme (DPS) vs Progressive (NPS), and upfront capital.
Finance & Loans What You Need to Know
All tools in Calconova are engineered with institutional financial and scientific formulas. The enterprise decimal.js engine is utilized to eliminate floating-point rounding errors typical of standard JavaScript applications.
All calculations execute directly on your local device (Edge/Client-side); none of your data is stored on remote servers, guaranteeing 100% privacy.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, or legal advice. Actual CPF interest rates, ABSD criteria, COE prices, and bank mortgage rates may vary. Calconova explicitly disclaims all liability for any decisions taken based upon these calculations. Consult a MAS-licensed financial adviser or IRAS/CPF officer prior to executing financial commitments.