HDB sale proceeds and CPF refund calculator

Estimate the cash remaining after your HDB sale, each owner’s CPF housing refund, age-55 RA allocation, selling costs and funds potentially available for your next home.

Calculations stay on your device

1Sale details

All amounts in SGD

Expected selling price

The agreed or expected sale price

Outstanding housing loan

Estimated redemption amount

2CPF housing refunds

Owner 1Below 55: refund normally returns to OA

Age at completion

CPF principal used

Accrued interest

Amount needed to meet FRS Use the figure shown in this owner’s CPF dashboard—not simply FRS minus the visible RA balance.

Owner 2Below 55: refund normally returns to OA

Age at completion

CPF principal used

Accrued interest

CPF refunds are assessed separately for each owner. For an owner aged 55 or above, the housing refund first meets that owner’s FRS shortfall; the estimated balance remains in OA.

3Selling costs

Seller’s agent commission

Legal & conveyancing fees

Add 9% GST to commission
Use when the property agency is GST-registered

Property purchase/option date

Expected sale/disposal date

Property market value Optional; automatic SSD uses the higher of price or market value

Other selling expenses

Enter SSD manually
Turn on to replace the date-based SSD calculation

Enter both dates to estimate Seller’s Stamp Duty (SSD). The calculator applies current residential-property schedules.

4Next-home adjustment

Resale levy, if applicable Shown separately because it generally relates to the next subsidised flat, not the current sale completion.

Estimated cash proceeds

S$0

After loan redemption, CPF refunds and selling expenses

Your estimated sale proceeds cover the deductions entered.

Gross sale proceedsS$0

Loan redemption− S$0

Required CPF refund− S$0

Agent commission− S$0

GST on commission− S$0

Legal & other expenses− S$0

Seller’s Stamp Duty− S$0

Estimated cash proceedsS$0

Estimated CPF destination

Owner 1S$0 refunded

Estimated to RAS$0

Estimated remaining in OAS$0

Owner 2S$0 refunded

Estimated to RAS$0

Estimated remaining in OAS$0

Potential funds for your next property

Cash availableS$0

CPF estimated in OAS$0

Less resale levy− S$0

Estimated availableS$0

Use this in HomeBudget SG →

RA amounts are excluded. Limited exceptions may allow eligible members aged 55+ to use certain RA housing refunds for a 3-room or smaller HDB flat.

How negative sales are treated

If the sale is at market value, the CPF refund is generally limited to the available net sale proceeds. A housing-loan or transaction-cost shortfall may still require cash. A sale below market value may require additional CPF refund.

Before completing your sale

Retrieve each owner’s CPF principal and accrued interest from CPF.
Owners aged 55+ should check their FRS shortfall and Home ownership dashboard.
Confirm redemption, SSD and completion figures with your lender and conveyancing lawyer.