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Singapore Property Calculator

Calculate your sales proceeds, purchase costs, net position, and more.

🏷️ Sale Details

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Your Sales Proceeds

Sale Price—
Less: Loan Repayment—
Less: CPF Refund—
Less: Agent Commission—
Less: Legal Fees—
Less: Other Costs—
💵 Cash in Hand Enter details →
CPF Returned to Account —

CPF accrued interest accrues at 2.5% p.a. from the date of each withdrawal. Check your CPF statement for the exact refund amount. This calculator is for estimation only.

BSD and ABSD rates reflect the latest Singapore government schedule. Rates were last updated February 2023. Always verify with your lawyer before transacting.

🏠 Purchase Details

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Purchase Cost Breakdown

Purchase Price—
Upfront Cash Required
Down Payment (cash floor 5%)—
BSD (Buyer's Stamp Duty)—
ABSD—
Legal Fees—
Agent Commission—
💰 Total Upfront Cash Enter details →
Loan Amount —
Est. Monthly Instalment —

📋 ABSD Rate Reference (as of Feb 2023)

Buyer Type1st Property2nd Property3rd+ Property
Singapore Citizen0%20%30%
Singapore PR5%30%35%
Foreigner60%60%60%

Monthly instalment is estimated at 3.5% p.a. over 25 years. Actual rates vary. BSD and ABSD must be paid within 14 days of signing the OTP/SPA.

Fill in both Sell Proceeds and Buy Costs tabs first — this tab combines them to show your net cash position after selling and buying.

🏷️ From Sale (Quick Entry)

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🏠 For Purchase (Quick Entry)

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⚖️ Net Cash Position

Cash in hand after selling and funding the new purchase

Cash from sale—
CPF back in account—
Less: Down payment (cash floor)—
Less: BSD—
Less: ABSD—
Less: Legal + Agent (purchase)—

Fill in both columns above to see your net position.

This is a simplified estimate. CPF usage for the new purchase depends on your CPF OA balance. Consult a licensed property agent or HDB for exact figures.

HDB Resale Levy applies when you sell a subsidised HDB flat (BTO, DBSS, or EC bought from developer) and buy another subsidised property (BTO, SBF, or EC). It does not apply if you buy a resale HDB or private property.

🏢 Levy Calculator

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Levy Calculation

Flat Type—
Buying Next—
Levy Applicable?—
Levy Amount—
When Payable—

📋 Resale Levy Schedule

Flat Type SoldLevy (Cash / CPF)Buying BTO/SBFBuying EC
2-Room$15,000YesYes
3-Room$30,000YesYes
4-Room$40,000YesYes
5-Room$45,000YesYes
Executive / DBSS$50,000YesYes
EC (bought from developer)$55,000YesYes
Any type → HDB ResaleNo levy——
Any type → Private PropertyNo levy——
Decoupling means transferring your share of a jointly-owned property to your spouse (or vice versa), so the other party becomes a sole owner. The "freed" party can then buy a new property as a first-time buyer — paying 0% ABSD instead of 20%. The question: is the BSD on the transfer worth the ABSD savings on the new purchase?

🔀 Current Property

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🏙️ New Property to Buy

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New launch condos use Progressive Payment Scheme (PPS). You pay in stages as construction progresses. This calculator shows your full cash, CPF, and loan breakdown — and how much you need on Day 1 (OTP) vs over time.

🏗️ New Launch Details

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Budget Breakdown

📅 Day 1 — On OTP Signing
Booking Fee (5% cash)—
BSD (due within 14 days)—
ABSD (due within 14 days)—
Total Day 1 Cash—
📅 At S&P Signing (~8 weeks)
Balance 15% (cash or CPF)—
Paid by CPF OA—
Additional cash needed—
🏦 Loan (75% LTV)
Loan Amount—
Est. Monthly Instalment—

BSD and ABSD are due within 14 days of signing the OTP. CPF OA funds can be used for the 15% down payment at S&P stage. Loan is disbursed progressively per construction stage. Estimated instalment at 3.5% p.a.

Want a personalised breakdown?

These calculators give you a good estimate — for exact figures based on your specific situation, speak to me directly.

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All calculations are estimates for illustration purposes only and do not constitute financial or legal advice. Stamp duty rates and CPF rules are subject to change. Please verify with HDB, IRAS, or a licensed property agent before transacting.