Selling nets you less than the sale price. CPF refund (with accrued interest), any outstanding loan, Seller's Stamp Duty (if within the holding period) and agent commission all come off first. This shows what actually lands in your bank account.

Terms this tool uses

SSD: — Seller's Stamp Duty: a levy if you sell within the first few years of buying, on a sliding scale by holding period.
CPF accrued interest: — the interest CPF Board adds back on top of what you withdrew, at the rate it would have earned had you not used it.

Your sale

Sale price

Outstanding home loan

Agent fee %

Legal fee

Bank early-redemption penalty — optional, if still within lock-in

Other one-off costs — optional

If your loan is still within the bank's lock-in period (usually the first 2-5 years), redeeming or refinancing early typically carries a ~1.5% penalty — the cost sellers forget most often, after the CPF refund itself.

CPF used for this home

CPF principal withdrawn

CPF accrued interest

On sale, CPF principal + accrued interest refunds to your CPF (still your money — just in CPF, not the bank). This is the number most sellers forget.

Seller's Stamp Duty (SSD)

How long owned (years)

When was it bought?

SSD only applies if sold within the holding period (residential: up to 4 years for purchases from 4 Jul 2025). Most HDB sellers past MOP and long-term owners pay none. Commercial (office/retail) has no SSD.

🔎 Planning your next move? Browse Andrea's for-sale listings →