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Buy vs Rent Calculator

Compare buying and renting month by month, including financing, stamp duties, ownership costs, rent growth, CPF housing use, opportunity cost and an assumed sale—without presenting a personalised recommendation.

✓ Results shown free✓ Dated source references✓ General information only
Live calculator

Month-by-month comparison with official IRAS stamp-duty and property-tax rules plus CPF housing-refund treatment. Rules verified 22 Aug 2026.

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Your buy and rent assumptions

Enter comparable-home assumptions. Market growth and returns are your scenarios—not Interest.sg forecasts.

IRAS + CPF Board · verified 22 Aug 2026
Home and comparison period

The model assumes the bought and rented homes provide comparable housing quality and immediate occupancy.

Downpayment, mortgage and purchase costs

The mortgage amount is purchase price less cash and CPF downpayment. Eligibility, LTV, TDSR and MSR are not assessed here.

Derived mortgage amount$0.00

ABSD treatment

Automatic mode covers standard individual SC, SPR and foreign-buyer rates. Use the manual amount for remissions, treaties, trusts or other special cases.

Buyer 1 profile
Ownership expenses

Use the actual annual property-tax bill when available. Annual Value mode applies current owner-occupier tiers and the eligible 2026 one-off rebate only.

Renting expenses

Lease duty is estimated at every lease start using the rent then in effect. The security deposit is excluded because it is assumed refundable.

Growth, opportunity cost and sale

Annual effective growth rates are converted to monthly rates. Each month, the lower-cost side invests the difference at month-end.

Related checksOfficial reference data
Financial scenario, not a recommendation

This tool compares modelled wealth and unrecoverable costs. It does not decide eligibility, forecast prices or rent, or include grants, MOP, resale levy, progressive payments, refinancing penalties or lifestyle factors.

⌁Calculated in your browser. Inputs are sent only when you choose to save or export.

Clear outputs

What this tool will show

Each result stays connected to the inputs and rules used.

  • 01Projected buyer and renter net wealth
  • 02First modelled break-even year
  • 03Property equity and mortgage breakdown
  • 04Estimated CPF refund and cash sale proceeds
  • 05Unrecoverable cost comparison
  • 06Yearly path and sensitivity table
Transparency standard

The workings stay visible from day one.

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Official rules

Applied parameters include a source and verification date.

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Assumptions

User inputs and defaults are clearly separated.

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Limits

Scope and exclusions appear beside the result.

Read the full methodology→

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interest.sg provides general information, dated reference data and calculation tools. Results are estimates—not financial, investment, legal, tax, property, valuation, CPF, HDB, lending, insurance or protection advice. Verify material decisions with the relevant authority or a qualified professional.

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