FinMortgage
All-in-1 · Advisor Toolkit

All-in-1 Mortgage Calculator

Client & Property

One set of inputs drives every step of the journey.

$
$
$
$
%
yrs
Yr 1%
Yr 2%
Yr 3+%

Affordability

Can the income carry the loan? Tested at the 4% MAS stress rate under TDSR 55%.

Loan required
—
Stress instalment
—
at 4% stress rate
Income required
—
Recognised income
—

Stamp Duty & Cash Outlay

$
$

Repayment

Instalments recompute at each rate step on the remaining balance — the way banks reprice.

Total interest
—
Total repaid
—
YearRateInstalment /moInterestPrincipalEnd balance

Summary

Indicative only — not a loan offer or financial advice. MAS/IRAS rules current 2026: TDSR 55%, MSR 30% (HDB/EC), 4% stress rate, 70% variable-income haircut; stamp duties on the higher of price or market value.