Budget
Your Buying Budget
Banker-grade calculation. The same math your mortgage broker uses — TDSR, income haircuts, LTV limits, all in one place.
Buyer 1
Gross, pre-tax. Excludes employer CPF.
Bonuses, commissions — banks apply a 30% haircut ÷ 12.
Household
Car loans, personal loans, credit card minimums.
Selling before you buy? Count as 0 — you'll be treated as first-time for ABSD.
Indicative only. Final loan quantum subject to bank approval and prevailing MAS regulations. Not financial advice.
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Disclaimer
The tools on this page provide estimates for general reference only and do not constitute financial, legal, tax, or investment advice. Calculations are based on prevailing MAS, IRAS, HDB, and CPF rules and rates at the time of publication, which may change without notice. Actual figures — including loan eligibility, interest rates, stamp duties, and CPF usage — depend on your specific circumstances and the final assessment of banks, IRAS, and other relevant authorities. Nest & Found makes no warranty as to the accuracy or completeness of any output and accepts no liability for decisions made in reliance on these tools. Please verify all figures with the relevant institutions or a qualified professional before committing to any transaction.