Calculate how much BTO (Build-To-Order) flat you can afford in Singapore. This free BTO affordability calculator factors in your combined gross income, CPF Ordinary Account balance, cash savings, eligible housing grants (up to $80,000 for first-timer couples), and HDB loan limits to give you a realistic HDB BTO cost breakdown.
Planning your BTO purchase? Read our guide on BTO vs Condo for an honest breakdown, or book a free 30-minute chat with Vicki for personalised advice.
Plan your BTO journey with precision. Calculate costs, timeline, and affordability for your settling down goals.
Planning to apply for a BTO? The biggest question most couples ask is: "How much BTO can I afford?" This free BTO downpayment calculator helps you figure out exactly that.
Plug in your BTO price, CPF OA balance, cash savings, and housing grant amount, and you'll get a full HDB BTO cost breakdown. Everything from Buyer's Stamp Duty to legal fees to your option fee, all calculated based on the latest 2026 rates.
What makes this BTO affordability calculator different? It doesn't just tell you the downpayment number. It maps out your entire settling-down timeline: when each payment is due, how much you need in cash vs CPF, and whether you can realistically afford it. You can also toggle on the Staggered Downpayment Scheme (SDS) and Deferred Income Assessment (DIA) to see how those change your payment schedule.
Planning as a couple? Switch on Couple Mode to compare a 50/50 split vs a capacity-based split. It factors in both partners' income, CPF OA, and cash savings, and flags if either person falls short.
Not sure whether a BTO or resale flat is right for you? Read our BTO vs Condo guide for an honest comparison, or try the Resale HDB Calculator to compare costs side by side.
Eligible for first-timer couples with HFE letter obtained before age 30, applying for 5-room or smaller uncompleted flat
Standard Payment Schedule
10%
at Agreement for Lease
15%
at Key Collection