Estimate your monthly payment on a home loan. Amounts shown in SGD ($).
Tax year: YA 2026 · Last updated Jul 10, 2026
Home Price
Loan Terms
Monthly payment (principal & interest)
$2,161
Loan amount
$320,000
Total interest over the loan
$328,199
Updates live as you adjust the numbers above
A mortgage payment is calculated the same way as any amortizing loan — but the down payment matters a lot, since it directly determines how much you need to borrow.
This shows principal and interest only — real monthly housing costs usually also include property tax and insurance.
No — this shows principal and interest only. Add local property tax and insurance separately for your true monthly cost.
Tax year: YA 2026. This calculator provides estimates for educational purposes only and is not financial advice. See our methodology and disclaimer.
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