Find out exactly how much cash you walk away with after selling your property. Factors in outstanding mortgage, CPF refund (principal + accrued interest), IRAS SSD ratesSSD, agent commission, legal fees, and any renovation costs to recover. Essential for planning your next purchase.
What This Calculator Does
Find out exactly how much cash you walk away with after selling your property. Factors in outstanding mortgage, CPF refund (principal + accrued interest), SSD, agent commission, legal fees, and any renovation costs to recover. Essential for planning your next purchase.
You can find this calculator in the Calculators tab on ShiokNest. It updates results instantly as you adjust inputs โ no waiting, no page reloads.
Why This Matters
What You Will Discover
After running this calculator with your personal numbers, you will know:
Key Inputs Explained
Here are the inputs you will configure, along with their default values. Each default is calibrated to a realistic Singapore condo scenario so you can explore results immediately.
| Field | Description | Default Value |
|---|---|---|
| Purchase Price | The total property price before additional costs. | $1,500,000 |
| Outstanding Balance | Remaining mortgage principal on your current loan. | - |
| CPF Used for Purchase | Total CPF OA funds used for property purchase including stamp duties. | - |
| Selling Cost (%) | Agent commission at time of sale. | 2.0% |
| Legal Fees | Lawyer fees for the conveyance. | $3,000 |
Step-by-Step Guide
- ๐ Navigate to Calculators โ Click the "Calculators" tab in the ShiokNest navigation bar. All 47 calculators are grouped by purpose for easy access.
- ๐ Select the calculator โ Choose "How to Calculate Cash Proceeds from Selling" from the calculator list. You will see default values already loaded so you can explore immediately.
- โ๏ธ Enter your values โ Replace the defaults with your own numbers. The key fields are:
- Purchase Price โ The total property price before additional costs.
- Outstanding Balance โ Remaining mortgage principal on your current loan.
- CPF Used for Purchase โ Total CPF OA funds used for property purchase including stamp duties.
- Selling Cost (%) โ Agent commission at time of sale.
- Legal Fees โ Lawyer fees for the conveyance.
- ๐ Review the results โ The calculator updates instantly as you change any input. Key results are displayed in KPI cards and charts that update as you adjust inputs.
- ๐ Run what-if scenarios โ This is where the real power lies. Change one variable at a time to see its impact. For example, try increasing the interest rate by 1% or extending your holding period by 5 years. Note how the results shift.
- ๐พ Compare and decide โ Run 2-3 different scenarios and note the results. This gives you a range of outcomes to base your decision on, rather than relying on a single projection.
Worked Example
Real-World Scenarios to Try
Here are some realistic scenarios you can plug into the calculator right now. Each one reflects a common situation Singapore property buyers face.
| Scenario | Settings to Try | What You Will Learn |
|---|---|---|
| Profitable sale | Sell: $1.8M, Bought: $1.5M, Loan: $800K, CPF: $200K | Net cash after CPF refund, agent fees, and outstanding mortgage |
| Early sale (SSD applies) | Sell: $1.6M, 18 months held, Loan: $1.0M | How 8% SSD drastically cuts your proceeds |
| Upgrader with high CPF usage | Sell: $2.0M, CPF: $400K (15 yrs), Loan: $600K | The accrued interest shock โ how much CPF must be refunded |
Expert Tips and Common Pitfalls
๐ก Pro Tips
- Use realistic assumptions โ Singapore condo appreciation has historically averaged 2-4% per year. Avoid overly optimistic projections. When in doubt, use 3% as a baseline.
โ ๏ธ Common Pitfalls
๐ค What-If Scenarios to Explore
Get the most value from this calculator by testing these scenarios:
- Run at least 3 scenarios โ best case, base case, and worst case โ to understand the full range of outcomes.
Related Calculators
Your property journey involves many interconnected decisions. These calculators work hand-in-hand with this one:
- How to Calculate Seller's Stamp Duty (SSD)
- How to Optimize CPF Usage for Property
- How to Use the Mortgage Calculator
Ready to Crunch Your Numbers?
Enter your sale price, outstanding loan, and CPF usage to see exactly how much cash you keep. The CPF accrued interest refund often surprises sellers โ know the number before you commit.
Official Sources
This how-to guide is auto-generated using ShiokNest's calculator defaults. All worked examples use default values โ adjust inputs to match your personal scenario for accurate results.