Mortgage / Monthly Instalment Calculator
Results
Monthly payment at 3%: SGD 2,530
Total interest: SGD 310,665
Stress test at 5%: SGD 3,221
How to use this tool
- Enter loan amount, annual interest rate, loan tenure, and a higher stress-test rate.
- Compare monthly instalment, total interest, and stressed monthly instalment.
- Use the result to decide whether your property budget remains comfortable under higher rates.
Frequently asked questions
How do I calculate monthly mortgage payment in Singapore?
Monthly payment is estimated from loan amount, interest rate, and tenure. The calculator also shows total interest and a stress-test instalment.
Why stress test a mortgage?
Stress testing shows whether repayments remain manageable if interest rates rise before or during your loan period.
Does the calculator include bank fees or legal fees?
No. It focuses on instalments and interest. Add bank, valuation, legal, insurance, and maintenance costs separately when budgeting.
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