Selling a property involves more than just looking at the selling price. After deducting your outstanding housing loan, CPF refunds, agent commission, legal fees and other selling expenses, the actual amount you receive may be significantly different from the sale price.
This Seller Net Proceeds Calculator helps homeowners estimate how much cash they may receive after completing the sale of their property. Whether you are planning to upgrade, right-size, purchase another property, or simply understand your financial position, this calculator provides a useful starting point for your planning.
CPF Refund
Selling Costs
How Does The Calculator Work?
① Estimate
Sale Proceeds
② Account
For CPF Refund
③ Determine
Cash Proceeds
Important Things To Note
For property owners aged 55 and above, CPF refunds from the sale will first be used to top up the CPF Retirement Account (RA) if the Full Retirement Sum (FRS) has not been met. Only the remaining balance, if any, will be credited back to the CPF Ordinary Account (OA) and may be available for the next property purchase.
As a result, the CPF funds available for the next property purchase may be lower than the CPF refund amount shown in this calculator. Homeowners aged 55 and above should verify their CPF balances and retirement account requirements directly with CPF Board before making any property purchase decisions.
Many homeowners are surprised to learn that CPF monies used for the purchase of the property, together with accrued interest, generally need to be refunded to their CPF account upon completion of the sale. As a result, the amount of cash received from the sale may be lower than expected, even if the property has appreciated in value.
This applies to both HDB and private residential properties where CPF funds were utilised.
Your housing loan will be fully settled from the sale proceeds before any balance is distributed to the owners.
For properties with multiple owners, the ownership share entered will affect how the net proceeds are allocated between the sellers. Normally most cases are 50/50 share unless otherwise stated by lawyer during purchase of the property.
This calculator is intended as a planning tool to help homeowners estimate their potential sale proceeds and affordability for their next property purchase.
While every effort has been made to provide a reasonable estimate, actual figures may differ due to factors such as:
- Final selling price achieved
- Outstanding loan redemption amount at completion
- CPF refund obligations, including accrued interest
- Legal fees and disbursements
- Agent commission payable
- Stamp duties, grants and financing eligibility
- Completion adjustments and other transaction-related costs
For a more accurate assessment based on your property’s actual loan balance, CPF usage and intended purchase plans, consider obtaining a personalised calculation before making any major property decisions.
This calculator is intended to provide a preliminary estimate and should not be relied upon as financial, legal or tax advice.
Actual transaction figures may differ due to market conditions, CPF adjustments, legal costs and other factors specific to each transaction.
Need A Personalised Assessment?
Whether you are selling an HDB flat, condominium or landed property, a personalised calculation can provide a clearer understanding of your expected proceeds and available options after the sale.
✓ Estimated net sale proceeds
✓ CPF refund assessment
✓ Outstanding loan redemption estimate
✓ Purchase and affordability planning
✓ Upgrade, right-sizing or retirement considerations
Let us work with you. Connect with us.
Whether you are selling, buying, or partnering with us as a co-broker, you can count on us to operate with sincerity and integrity.
We are continually seeking opportunities to broaden our network and expand our circle of work. We believe that by collaborating, we can achieve greater results and deliver more value and benefits to all our clients and partners.
