Home Loan Repayment Calculator — Singapore
Work out your repayments, what the loan costs in total, and how much an extra repayment saves you. Figures below assume 3% over 30 years. Free, and no sign-up.
Common Singapore loan amounts
| Loan amount | Monthly repayment | Total interest |
|---|---|---|
| $400,000 | $1,686 | $207,110 |
| $600,000 | $2,530 | $310,665 |
| $800,000 | $3,373 | $414,220 |
| $1,000,000 | $4,216 | $517,775 |
| $1,500,000 | $6,324 | $776,662 |
| $2,000,000 | $8,432 | $1,035,549 |
Frequently asked questions
How are Singapore home loan repayments calculated?
Repayments use the standard amortisation formula: the balance accrues interest at the periodic rate, and a level repayment covers that interest plus a slice of principal. Early payments are mostly interest; later ones are mostly principal.
Does paying extra actually help?
Yes, substantially. Extra repayments come straight off the principal, so they reduce every future interest charge. On a long loan even a small regular amount can cut years off the term.
Is this calculator free?
Yes. It is free, requires no account, and nothing you enter is saved or sent anywhere — the calculation runs entirely in your browser.
Work out your own numbers
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Estimate only. Assumes a fixed rate and no fees; lenders accrue interest daily and may charge account or discharge fees. Not financial advice.