Singapore Property Sale Cash Proceeds Calculator (2026)
Calculate net cash in hand from selling an HDB flat or condo after outstanding loan payoff, CPF accrued interest refund, resale levy, and agent commissions.
Calculate net cash in hand from selling an HDB flat or condo after outstanding loan payoff, CPF accrued interest refund, resale levy, and agent commissions.
Calculate net cash in hand from selling an HDB flat or condo after outstanding loan payoff, CPF accrued interest refund, resale levy, and agent commissions. Calculate exact, penny-accurate projections compliant with 2026 CPFB • IRAS • Monetary Authority of Singapore (MAS) • HDB standards using Calconova's deterministic IEEE-754 (Decimal.js) calculation engine with instant breakdowns.
Free cash available to deploy or invest after all obligations are settled.
Net\ Cash\ Proceeds = Selling\ Price - Outstanding\ Mortgage - CPF\ Refund - Resale\ Levy - Agent\ Fee - Legal\ Fee \\
CPF\ Refund = Principal\ Withdrawn + Accrued\ Interest\ (2.5\%\ Compound)The gross sale price pays off the outstanding mortgage first, followed by mandatory refund of all CPF OA savings withdrawn plus 2.5% compounded accrued interest back to your CPF OA. Deducting the resale levy, agent commission (+9% GST), and conveyancing legal fees yields the actual cash in hand.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, or legal advice. Actual CPF interest rates, ABSD criteria, COE prices, and bank mortgage rates may vary. Calconova explicitly disclaims all liability for any decisions taken based upon these calculations. Consult a MAS-licensed financial adviser or IRAS/CPF officer prior to executing financial commitments.
Yes, absolutely! The refunded principal and accrued interest return in full to your CPF Ordinary Account (OA). As long as you are below 55, these funds can immediately be redeployed for the downpayment and monthly installments of your next home purchase.
No, provided the property is sold at or above market valuation. Under CPF Board rules, whatever remains after paying off the senior bank mortgage goes back to CPF. You do not need to top up any shortfall in cash.
The HDB Resale Levy maintains parity between first-time and second-time subsidized flat buyers. It applies if you sell a subsidized HDB flat and purchase a second new BTO flat from HDB or an Executive Condominium (EC) directly from a developer, ranging from $15,000 to $50,000.
Calculate 2026 Singapore CPF contributions for Citizen and PR, S$8,000 Ordinary Wage ceiling, Additional Wage bonus cap, and OA/SA/MediSave distribution.
Estimate lifelong monthly retirement payouts under Singapore CPF LIFE based on age 55 RA savings (BRS $106.5k, FRS $213k, ERS $426k) and plan choice.
Calculate guaranteed compound growth across OA (2.5%), SA/MA (4.05%), and extra 1% to 2% tiered government interest for up to 30 years.