HDB Sales Proceeds Calculator (Singapore) — See What You'll Actually Walk Away With
Most owners aren’t unsure about their flat’s price. They’re unsure about what’s left after the loan, the CPF refund, and the selling costs. This calculator estimates your sale proceeds in a few minutes — and walks you through what each number means, so nothing feels like a surprise.
Estimate your HDB sale proceeds
A quick estimate, in your own time. Pop in your flat type, an estimated value, your outstanding loan, and the CPF each owner has used. The calculator does the math — you keep the understanding.
HDB Sales Proceeds Calculator
Estimate how much cash you may receive after selling your HDB, after setting aside your outstanding loan, CPF refund and selling costs.
1. Your HDB Details
Start with your town, flat type and estimated selling price.
2. Loan, CPF Refund & Selling Costs
These numbers affect how much cash you may receive after the sale.
Estimated cash proceeds
$0
This is an estimate before reviewing your exact CPF, loan redemption, completion timeline and next property plan.
Breakdown of your estimate
Want a second look at your HDB selling numbers?
Send me your estimated value, outstanding loan and CPF refund. I can help you check whether the numbers are comfortable before you decide whether to sell, hold, upgrade or wait.
This calculator is for general estimation only. Your actual sale proceeds may differ depending on your exact CPF refund, accrued interest, loan redemption amount, selling expenses, resale completion timeline and any other financial arrangements.
What your estimate is telling you
Your result is an estimate of cash proceeds — roughly what would land in your hands after the sale settles. Here’s what sits behind that single number:
- Sale price — what a buyer agrees to pay for your flat.
- Less: outstanding loan — the remaining balance redeemed from the sale.
- Less: CPF refund — the CPF savings each owner used, plus accrued interest, returned to your own CPF account (more on this below — it’s yours, not lost).
- Less: selling costs — professional fee, legal fee, and any outstanding charges.
- = Estimated cash proceeds — what’s left for you, in cash.
Two separate things come back to you when you sell: cash in hand and your CPF refund.
Both are yours. They simply land in two different places.
Your CPF refund returns to you
If you used your CPF to pay for your flat, you’ll refund that amount when you sell — together with the interest it would have earned, often called accrued interest.
Here’s the part that’s often misunderstood: this money goes back into your own CPF account. It isn’t a fee, a penalty, or money lost.
What it does affect is your cash proceeds. The more CPF you’ve used — and the longer ago — the larger the refund back to CPF, and so the smaller the cash portion at sale.
Redeeming your outstanding loan
Your remaining home loan is settled from the sale proceeds before anything reaches you. If you’re on an HDB loan, HDB handles the redemption. If you’re on a bank loan, your lawyer coordinates with your bank, and you’ll want to check for any early-redemption terms.
Two things worth confirming early:
- Your exact outstanding balance as of the expected completion date.
- Whether selling lines up cleanly with buying your next home, so you’re not caught between two timelines.
The selling costs to budget for
A few costs come off the top. They’re usually modest relative to the sale, but it’s better to see them upfront:
- Agent’s professional fee (plus 9% GST).
- Legal / conveyancing fee — HDB’s legal team or a private law firm.
- Outstanding charges — any unpaid property tax or service & conservancy.
These are typically settled at completion.
We’ve kept exact figures out of this page because they vary by case — your actual costs are easy to confirm once we know your specifics.
What "cash proceeds" really means
Your cash proceeds are what’s left after the loan, CPF refund, and costs — the amount that lands in your bank account.
It’s worth holding both numbers in view: your cash and your CPF refund.
Many owners look only at the cash figure and feel it’s smaller than expected — when in fact a healthy share of their value has simply returned to CPF, ready to support their next purchase or their retirement.
A fuller picture is: cash proceeds + CPF refund = your total realised value.
That’s usually the number that helps you plan calmly.
Should You Sell, Hold, or Upgrade?
There’s no single right answer — only the one that fits your numbers, timeline, family, and next stage of life. A calm way to locate yourself:
- Sell now — your proceeds and CPF comfortably support a clear next step, and your timeline lines up.
- Hold for now — your current flat still suits your life, and there’s no pressing reason to move.
- Upgrade — your proceeds and CPF make the next home affordable with breathing room, not at a stretch.
- Wait and plan — you’re not ready to decide, and you’d rather understand your options first.
A good move should feel like it fits your life, not like a deadline you’re racing.
If you’re between these, that’s exactly the kind of thing worth thinking through together.
Conclusion - A steady second pair of eyes
I help HDB owners in Singapore understand their sale proceeds, plan their timeline, and make a move that fits their family and their next stage of life.
My approach is calm and data-informed.
Plenty of the people I work with start months before they’re ready — they just want to understand their numbers and their options first.
If that’s you, you’re welcome to send your figures any time for a complimentary, non-obligation review. No pressure to list, and no pressure to decide.
What My Clients Say | Genuine Experiences
Real stories, real experiences—because your journey deserves nothing less than the best.
Awards and Accolades
Self Introduction
Hi, I’m Rick Long
With decades of experience in Singapore’s real estate market, I’ve had the privilege of being mentioned in media outlets such as Channel NewsAsia, The Straits Times, and 99.co.
Over the years, I’ve written extensively on the local property landscape — tackling the real questions buyers and sellers face, and helping them navigate each step with greater clarity and confidence.
Many of my clients have become long-time friends — their trust and kind reviews continue to inspire me to raise the bar in everything I do.
I believe real estate should be strategic, seamless, and deeply aligned with your life’s journey.