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Mortgage Amortization Calculator (Singapore, 2026)

Monthly repayment · Total interest · Simple schedule · Last updated: 2026-02-26

What this is for: convert “rate talk” into cashflow + interest exposure. Useful for:

Sanity-checking refinance vs reprice.
Understanding why small rate changes can swing lifetime interest (see mortgage interest intuition).
Stress-testing instalment fragility alongside property affordability.

Note: This is standard amortization math (fixed instalment). Your bank package may have lock-ins, subsidies, fees, or repricing quirks.

Inputs

Loan amount (S$)

Principal borrowed (exclude downpayment/CPF).

Interest rate (% p.a.)

Use a conservative rate for stress testing.

Tenure (years)

Typical: 20–30 years.

Extra monthly repayment (optional)

Models voluntary top-up (if allowed) to reduce interest.

Enter inputs and click Calculate.

Shows year-by-year balances. Toggle full schedule if you need monthly detail.

Show full monthly schedule (can be long)