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Seller's proceeds calculator

How much cash will I walk away with?

Find the cash you keep after a sale. The SSD schedule follows your purchase date. The CPF refund includes the interest your CPF account would have earned.

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Seller proceeds calculatorPropInsights.sg

Your numbers

Change a value and the results update at once.

Sale
Seller's Stamp Duty (SSD) is charged when you sell within a set time after you bought. The sale date decides if it applies.
Default is today.
Property type
What you bought
Date of the Option to Purchase or agreement.
BSD is worked out from the rules.
Selling costs
% of price
%
Loan and CPF
Some loans charge a fee if you repay early, usually a share of the amount repaid.
% of loan
Check your loan letter. 0 if none.
CPF you used must go back to your CPF account with the interest it would have earned.
Total since purchase.

Net cash to you

After selling costs, the loan payoff and the CPF refund.

Net cash to you: S$572,195. After selling costs, the loan payoff and the CPF refund.
Net gain on the property
S$141,660
9.4% of the price you paid
SSD
Check: S$72,000
4% (year 3 of holding)
CPF refund
S$214,065
S$200,000 used + S$14,065 interest

SSD does not apply to a sale after 15 Jan 2027 for this purchase date.

Where the sale price goes

Every dollar of the sale price, from costs and loan to the cash you keep.

Sale priceS$1,800,000

  • Seller's Stamp DutyS$72,0004.0%
  • Agent fee, with GSTS$39,2402.2%
  • Legal and other selling costsS$2,500<1%
  • Loan payoff, with any early repayment feeS$900,00050%
  • CPF refund, with interestS$214,06512%
  • Net cash to youS$572,19532%
From sale price to cash in hand
ItemAmount
Sale priceS$1,800,000
Seller's Stamp Duty-S$72,000
Agent fee, with GST-S$39,240
Legal fee-S$2,500
Other selling costsS$0
Loan balance-S$900,000
Early repayment feeS$0
CPF principal returned-S$200,000
CPF accrued interest returned-S$14,065
Net cash to youS$572,195
Net gain on the property
ItemAmount
Sale priceS$1,800,000
Selling costs (SSD, fees)-S$113,740
Purchase price-S$1,500,000
Buyer's Stamp Duty paid-S$44,600
ABSD and other buying costsS$0
Net gainS$141,660

Assumptions and rules used

These are the values behind every number on this page. They are always shown.

Purchase date (sets the SSD schedule)
15 Jan 2024
Sale date
19 Oct 2026
Time held
2 years 9 months
Agent fee
2% plus 9% GST (your inputs)
CPF used at purchase
S$200,000 on the purchase date
CPF used for instalments
S$0, taken to be spent half-way through the holding time
CPF interest rate
2.5% a year, monthly, added to the base each 31 December

Rules used

  • ssd.residential, rule dated 11 Mar 2017: Holding period cut to 3 years; rates cut by 4 pp to 12% / 8% / 4%. Source
  • cpf.oa-interest, rule dated 1 Jan 2008: The OA earns 2.5% a year, the legislated minimum, because the bank-rate peg is far below the floor. Source
  • bsd.residential, rule dated 15 Feb 2023: 1/2/3/4/5/6% bands; 5% on S$1.5m to S$3m and 6% above S$3m. Source

Limits of this tool

  • SSD is on the higher of the sale price and the market value. Enter the higher figure if they differ.
  • The SSD schedule is the one in force on the purchase date, not the sale date.
  • Accrued CPF interest goes back to your own CPF account. It lowers cash now but is not a cost of the property.
  • Net gain is before mortgage interest, holding costs and rent. A sale on the anniversary date counts as inside that year.
  • The CPF Board statement gives the exact refund. This is an estimate.

Rule files last checked 4 Oct 2026.

Not financial advice; check current rules with IRAS and MAS. Results are estimates from the inputs and the dated rules shown.