Free tool · Sellers and upgraders

The sale price is not what you walk away with. Seller’s Stamp Duty, agent fees, the loan redemption and your CPF refund all come off first. Enter your numbers to see what is actually left for your next move.

Principal used plus accrued interest. Check your CPF housing statement.
GST at 9% is added on top.

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Estimates only. Seller’s Stamp Duty rates shown are those published by IRAS for private residential property: 12%, 8% and 4% for sales within one, two and three years for purchases made from 11 March 2017 to 3 July 2025, and 16%, 12%, 8% and 4% within one to four years for purchases on or after 4 July 2025. HDB flats sold after the Minimum Occupation Period are generally not subject to SSD. Confirm exact figures with IRAS, CPF Board and your lawyer. Speak to a licensed financial adviser for advice specific to your situation.

This guide is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Property investments involve risk. Past performance is not indicative of future results. Readers should seek independent advice from licensed professionals before making any property or financial decision. James Ong is a licensed real estate salesperson (CEA Reg No. R008385F) with PropNex Realty Pte Ltd and is not a licensed financial adviser.

James Ong | CEA Reg No. R008385F | PropNex Realty Pte Ltd