Tools
Free, interactive calculators built around how Singapore banks actually assess non-standard income.
TDSR Calculator
Enter your income sources. We apply MAS haircut rules and show you exactly what the bank sees, your max monthly repayment, and estimated loan size.
Supports: salaried base, variable/commission, sole proprietor, dividends, foreign income, asset pledging
Income Structuring Estimator
See a visual breakdown of your actual vs bank-assessed income, and a ranked list of levers to improve your eligibility.
Includes: asset pledge impact, salary restructuring options, NOA optimisation
Refinancing Calculator
Compare your current loan against new rate packages. Factor in legal fees, lock-in penalties, and break-even timeline.
Covers: HDB and private property, floating vs fixed rate comparison
All tools are estimates based on MAS guidelines and typical bank conventions. Verify with your bank or a licensed financial adviser before making decisions.