Calculators
Use our free calculators to check on your new mortgage loan, refinancing of mortgage loan, total debt servicing ratio (TDSR), financial health check and personal finance ratio.
What would you like to calculate?
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New Mortgage Loan
Monthly Repayment
S$_____
Refinance Mortgage Loan
Monthly Repayment (Existing)
S$_____
Monthly Repayment (New)
S$_____
Total debt servicing ratio
Gross Income:-
Current Monthly Debt Obligatios:-
Current Monthly Debt Obligatios:-
Summary
Gross Income
S$_____
55% TDSR Limit
S$_____
Debt Obligations
S$_____
Available for mortgage servicing
S$_____
Financial Health Check
Personal Income Statement
Income
Expenses
Balance Sheet
Cash and Cash Equivalent
Investment Assets
Personal Assets
Liabilities
Liquidity Ratio (L)
| No. | Ratio | Formula | Ratio (%) | Benchmark | Remark |
|---|---|---|---|---|---|
| 1 | Basic Liquidity Ratio | Cash/ Expense | 6 months | ||
| 2 | Liquid Asset to Net Worth | Cash / Net Worth | 15% |
Financial Stability Ratio (F)
| No. | Ratio | Formula | Ratio (%) | Benchmark | Remark |
|---|---|---|---|---|---|
| 1 | Debt to Asset | Total Liabilities / Total Assets | 50% | ||
| 2 | Debt Servicing Ratio | Debt Repayment / Total Income | 35% | ||
| 3 | Non-mortgage Debt Service Ratio | Non-mortgage Debt Payment / Total Income | 15% |
Investment Ratio (I)
| No. | Ratio | Formula | Ratio (%) | Benchmark | Remark |
|---|---|---|---|---|---|
| 1 | Savings Ratio | Savings / Total Income | 20% | ||
| 2 | Investment Ratio | Investment Asset / Net Worth | 50% | ||
| 3 | Regular Investment Ratio | Regular Investment / Total Income | 10% |
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