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HomerAI: The Recommended Free HDB Calculator Alternative Singaporeans Are Using in 2026
Published 10 October 2025
TL;DR / Summary:
– HomerAI by Ohmyhome is the most complete free property planning tool in Singapore.
– Beyond calculations, it gives you real market data: past transactions, price trends, and area insights.
– Connect with 100,000+ pre-qualified buyers through the MATCH feature before going to market.
– Everything is free, AI-powered, and accessible via Singpass in under 60 seconds
There are times when the HDB Calculator is down for updates, and even when it’s back up, you may find yourself needing more than what it offers. The official tool covers housing budget, payment plans, and sale proceeds. Useful basics, but not a complete picture.
To plan your home journey properly, you also need to know what your property is actually worth today, how the market around you is moving, and who’s already looking to buy in your area.
HomerAI by Ohmyhome gives you that complete picture. It’s a free AI-powered tool that builds on the basics, adding home valuation, market transaction data, affordability checks, mortgage estimates, and buyer matching all in one place.
Read on to see why over 35,000 homeowners in Singapore are making it their go-to property planning tool.
Why HomerAI Is the Best HDB Calculator Alternative
- Research Like a Qualified Agent
- Master Your Finances With Reliable Calculators
- Connect With Genuine Buyers
- The Extra Benefits of HomerAI
- Frequently Asked Questions
Research Like a Qualified Agent
HomerAI empowers you to make smarter home-selling decisions, starting with your own property research. The tool is free and easy to use; you can connect your home via Singpass, and all the details you need will be provided in less than 60 seconds. With HomerAI, you can:
- Get an Accurate Home e-Valuation: Instantly find out your home’s estimated value.
- Analyse Property Market Dashboards: Check past transactions in your area, including recently sold and rented homes. You’ll find a summary of transactions comprising data such as the average sale price of homes sold within 1km of your property, within your cluster, and on your block. You can also see the lowest and highest transaction prices in your area.
- Track Historical Price Trends: Understand how property prices have been moving to inform your selling strategy.
- Ask HomerGPT: Instead of performing manual research, you can simply ask HomerGPT a question like, ‘What are the top 10 new launch condos for sale that I can afford upon selling my home?’ Within minutes, it will provide you with a list of projects worth your consideration.
Master Your Finances With Reliable Calculators
When an official property tool like the HDB Calculator is not working, it can disrupt time-sensitive decisions about buying or selling an HDB flat. HomerAI is a reliable alternative, complete with three financial calculators that provide an estimate of your HDB sale proceeds, affordability, and mortgage payments.
Affordability Calculator
With the Affordability Calculator, you can figure out how much you can comfortably afford for your next home. It factors in things like your age, citizenship, outstanding home loans, and stamp duties. HomerAI doesn’t just help you stay within your budget; it also ensures you understand what costs you’ll need to cover upfront.
Mortgage Calculator
If you’re considering taking out a loan for your property purchase, the Mortgage Calculator is your best friend. It will help you determine your monthly mortgage payments across different plans and interest rates. You can use this to compare multiple mortgage packages and find one that suits your financial situation.
Cash Proceeds Calculator
Finally, the Cash Proceeds Calculator comes into play when selling. It helps estimate how much cash you’ll actually receive after deducting any outstanding loans, CPF refunds, and fees from your sale price. This way, you can confidently plan your next steps, whether you’re thinking of using it for your next property purchase or other life goals.
Connect With Genuine Buyers
Looking to sell your resale HDB flat or condo but worried about finding interested buyers? HomerAI can help you discover who your potential buyers are, their budget, and when they intend to move in — all before you even list your property for sale.
Ready to sell your home? We’re ready to help.
Schedule a consultation with one of Singapore’s top agents.
Ready to sell your home? We’re ready to help.
Schedule a consultation with one of Singapore’s top agents.
Ready to sell your home? We’re ready to help.
Schedule a consultation with one of Singapore’s top agents.
Ready to sell your home? We’re ready to help.
Schedule a consultation with one of Singapore’s top agents.
Ready to sell your home? We’re ready to help.
Schedule a consultation with one of Singapore’s top agents.
This is done through MATCH, an algorithmic intelligent tool that aggregates different profiles into a qualified buyer pool. Only those with a valid HDB Flat Eligibility (HFE) letter or an In-Principle Approval (IPA) from the bank are sent property listings, ensuring that you only deal with genuine buyers.
There are about 100,000+ potential buyers in the MATCH database, and on average, about 20 are matched with a property listing. This provides two main benefits:
- Sell your home quicker: Instead of waiting for enquiries to trickle in, you can proactively engage with potential buyers who have already expressed interest through HomerAI’s matchmaking system. Having a pool of interested buyers can expedite the home-selling process, saving time and increasing chances of securing a favourable deal.
- Get greater negotiating power: Having a list of potential buyers gives you greater negotiating power. By knowing the preferences and budgets of interested parties upfront, you can tailor your marketing strategies and pricing accordingly.
The Extra Benefits of HomerAI
What makes HomerAI stand out is how intuitive and user-friendly it is. All your calculations are automatically saved, so you can easily revisit and update them as your circumstances change. The interface is clear and easy to navigate, and the AI ensures you’re getting the most up-to-date and accurate estimates possible.
Plus, because it’s all AI-powered, it saves you from having to manually input tons of data into spreadsheets or worry about whether you’ve missed a crucial detail.
Sell Smarter and Faster With HomerAI
Get an instant valuation for your home Access property insights and AI tools to maximise your property's potential and sell it fast Floor - Unit Property Type Home Type - Postal Code Get FREE valuation
When the HDB calculator isn’t working and you’re left wondering how to plan your finances, don’t fret — HomerAI has you covered. From affordability checks to calculating cash proceeds and mortgage payments, this AI-powered tool will ensure you’re always on top of your home-buying or selling game, leveraging the power of data.
If you need help, Ohmyhome’s Super Agents can contact all your buyer matches, arrange viewings, and negotiate the best selling price on your behalf, ensuring you have expert guidance throughout the transaction.
Frequently Asked Questions
Is HomerAI’s home valuation accurate enough to use for actual sale planning?
HomerAI’s e-valuation is reliable enough to use as a planning benchmark, though it works best when paired with recent transaction data from your block and cluster, both of which HomerAI also surfaces. For a formal valuation required during the actual transaction, you’ll still need a licensed valuer. But for deciding your asking price range, it gives you a solid, data-backed starting point.
Can HomerAI replace an agent when selling my HDB?
HomerAI handles the research and financial planning side well, but it works best as a preparation tool rather than a replacement for an agent. Where it genuinely adds value is before you list: knowing your numbers, understanding your buyer pool through MATCH, and going into agent conversations already informed. That puts you in a much stronger position when it matters.
How does MATCH know which buyers are serious and not just browsing?
MATCH only includes buyers who have submitted either a valid HDB Flat Eligibility (HFE) letter or an In-Principle Approval (IPA) from a bank, both of which require actual financial vetting. This filters out casual browsers before they ever reach your listing. On average, around 20 verified buyers are matched to each property, so the leads you see are genuinely pre-qualified.