Tools
Free BTO tools
Calculators built on official HDB figures, with every assumption published.
BTO ballot chance calculator
Estimate your chance of being invited to book a BTO flat from the application rate, your number of ballot chances and who else is applying.
BTO downpayment & EHG grant calculator
Calculate your estimated cash and CPF OA split at Agreement for Lease (2.5% or 5%) and Key Collection, including EHG housing grants and Buyer's Stamp Duty.
Which BTO should I apply for? Odds & budget matcher
Rank tracked HDB BTO projects by your invitation odds for your flat type and ballot chances, paired with your EHG grant and 30% MSR loan ceiling.
HDB loan vs bank loan & refinance calculator
Compare HDB's 2.6% concessionary rate with Singapore bank home loans on monthly repayment, 3-year net savings and refinancing break-even months.
Standard, Plus & Prime subsidy clawback calculator
Estimate how HDB's subsidy recovery percentage and 10-year MOP affect your CPF accrued interest refund and net resale proceeds.
HDB sale proceeds, CPF refund & resale levy calculator
Calculate your net cash proceeds when selling an HDB flat after loan redemption, CPF 2.5% accrued interest refund and HDB's fixed resale levy ($15k–$55k).
HDB BTO priority schemes & ballot chance matcher
Check which BTO priority schemes you qualify for (FT(PMC), FPPS, Family Care Scheme FCS, TCPS, ASSIST, TPS), your ballot chances and flat supply quotas.