Property Tools · For Sellers
Sale Proceeds Calculator
What actually lands in your pocket — cash and CPF shown separately, because they are not the same thing.
Used to check Seller's Stamp Duty (rarely applies to HDB after MOP) and estimate CPF interest.
Typically S$2,500–S$3,000 for a sale.
S$1–S$1,000, usually S$1,000.
Usually S$4,000 (option + exercise capped at S$5,000).
Where your sale price goes
You collect this from the buyer before completion, so it isn't part of your completion proceeds.
Cash proceeds
S$324,730
Goes to your bank account.
CPF proceeds
S$150,000
Returns to your CPF OA — not cash, but fully usable for your next home.
Every situation has details a calculator can't capture. If you'd like, I'm happy to walk through your exact numbers — no obligation.
This information is provided solely on a goodwill basis and does not relieve parties of their responsibility to verify the information from the relevant sources and/or seek appropriate advice from relevant professionals such as valuers, financial advisers, bankers and lawyers. For avoidance of doubt, JIA by Jiayi and its salesperson accepts no responsibility for the accuracy, reliability and/or completeness of the information provided.
Copyright in this publication is owned by JIA by Jiayi and this publication may not be reproduced or transmitted in any form or by any means, in whole or in part, without prior written approval.
Rates last updated: 7 July 2026.
Why your sale price is not your payout
When you sell a property in Singapore, the sale price is only the starting point. Before anything reaches your bank account, the money settles your outstanding home loan, refunds your CPF, and covers the costs of selling — agent commission, legal fees, and for recent purchases of private property, Seller's Stamp Duty.
The CPF refund — the part everyone forgets
Every dollar of CPF you used for the property, plus the interest it would have earned had it stayed in your account (called accrued interest, compounding at 2.5% a year), must go back into your CPF Ordinary Account when you sell. This is not money lost — it is still yours, and fully usable for your next home — but it is not cash. Sellers who plan renovations, or the cash portion of their next downpayment, around the headline figure often get a surprise. That is why this calculator shows cash proceeds and CPF proceeds separately.
Seller's Stamp Duty after July 2025
If you bought a private property on or after 4 July 2025, SSD now applies for four years, at 16% if you sell within the first year, stepping down to 4% in the fourth. Properties bought between March 2017 and 3 July 2025 keep the old three-year schedule of 12%, 8% and 4%. HDB owners rarely meet SSD because the Minimum Occupation Period outlasts it.
What is a “negative sale”?
If your loan plus CPF refund exceeds your sale price, the sale is “negative” — little or no cash comes out. Provided you sell at market value, you generally do not have to top up the CPF shortfall in cash, but it changes what your next move can look like. If your numbers land anywhere near that line, it is worth a proper conversation before you list.