Calculator

Sale Proceeds Calculator

Estimate the cash you walk away with after loan redemption, CPF refund, agent commission and deductions.

Your inputs

Estimated sale price

Outstanding loan

Amount still owed to HDB or your bank — check your latest statement.

CPF to refund (incl. accrued interest)

Total CPF principal + accrued interest to be refunded for all owners. Check cpf.gov.sg/member.

Agent commission (incl. GST)

The fee your agent will charge on the sale, including GST.

Buyer deposit already received

Option + exercise fees already paid to you; subtracted to show the balance still due at completion.

Seller's Stamp Duty (if any)

Applies to private property sold within 3 years of purchase. $0 for most HDB sellers.

Resale levy (if any)

Applies if you previously bought a subsidised HDB flat.

Other deductions (if any)

Legal fees, outstanding charges, upgrading costs, etc.

Results

Estimated net proceeds

Sale price: $0
Total deductions: $0

Net proceeds = Sale price − loan − CPF refund − agent commission − buyer deposit − Seller's Stamp Duty − resale levy − other deductions.

Results are indicative only and not a bank-approved quotation, IRAS assessment, or HDB confirmation.
Interest rates, stamp-duty rates, LTV limits and CPF rules change. Verify the latest with MAS, IRAS, HDB and your lender before transacting.
Consult a qualified mortgage broker, conveyancing lawyer, or accountant for advice specific to your situation.
SellMyHouse.sg accepts no liability for decisions made on the basis of these calculations.

References

Last updated: 29 Jun 2026

FAQ

Frequently Asked Questions

Why is the CPF refund subtracted from my proceeds?

Money you withdrew from CPF to buy the flat — plus the interest it would have earned — must be returned to your CPF account when you sell. It is not lost, but it does not come to you as cash; it goes back into your CPF Ordinary Account.

What if the result is negative?

A negative figure (a 'negative sale') means the sale price does not fully cover your loan plus the required CPF refund. You may need to top up the shortfall in cash, or CPF may waive part of the accrued-interest refund. Speak to HDB and your CPF agent early.

Is the agent commission fixed?

Commission varies by agent and transaction. Enter the figure your agent quotes, inclusive of GST. SellMyHouse.sg charges a flat, transparent fee per transaction rather than a percentage.

Does this include legal and conveyancing fees?

Only if you add them under 'Other deductions'. Conveyancing fees, outstanding service & conservancy charges, and any upgrading levies are not included automatically.

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