Singapore Property Gross vs Net Profit Calculator
Many owners look only at the difference between purchase price and sale price. This calculator helps estimate the more realistic position after stamp duties, ownership costs, financing cost, CPF refund, agent fee and other transaction costs.
Enter your property numbers
Use actual figures where possible. For CPF amount, refer to your CPF Home Ownership dashboard.
Your estimated result
This separates profit, ownership cost, CPF refund and estimated cash proceeds.
Cost breakdown
| Category | Estimated amount |
|---|---|
| Buying costs | $0 |
| Holding costs | $0 |
| Selling costs | $0 |
| SSD | $0 |
Gross profit is not take-home profit
Sale price minus purchase price is only the starting point. It does not include duties, financing cost, maintenance, tax, legal fees or commission.
CPF refund affects cash proceeds
CPF refund is not necessarily a loss, but it can reduce the cash amount received after sale. Sellers should check CPF figures before committing to the next purchase.
Holding power matters
A property can show capital gain but still deliver weaker net returns if ownership costs, interest and timing-related duties are high.