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UProperty.sg Seller Planning Tool

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.

Gross profit vs net gain
BSD and SSD estimate
CPF refund awareness
Cash proceeds planning

Enter your property numbers

Use actual figures where possible. For CPF amount, refer to your CPF Home Ownership dashboard.

1 Property details
SSD is generally based on the higher of selling price or market value.
2 Buying costs
3 Holding costs during ownership
Use interest only, not principal repayment.
4 Selling costs and sale proceeds
This affects cash proceeds, not true profit calculation.

Your estimated result

This separates profit, ownership cost, CPF refund and estimated cash proceeds.

Estimated net gain after ownership and transaction costs
$0
Enter your numbers to see whether the gross profit remains strong after costs.
Gross paper profit $0
Total buying, holding and selling costs $0
Estimated BSD paid at purchase $0
Estimated SSD, if applicable $0
CPF refund: principal + accrued interest $0
Estimated cash proceeds after loan, CPF refund and sale costs $0
Estimated net gain as % of purchase price 0%

Cost breakdown

CategoryEstimated amount
Buying costs$0
Holding costs$0
Selling costs$0
SSD$0
This calculator is designed to help sellers avoid confusing gross profit with actual net position.

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.

Important disclaimer: This calculator provides an educational estimate only and should not be treated as financial, tax, legal or investment advice. Stamp duties, CPF refund rules, property tax, bank loan redemption figures and commission terms should be verified with IRAS, CPF Board, your bank, your lawyer, tax adviser and licensed property salesperson where applicable. For estate agency work, consumers should clarify scope of work and commission terms clearly before signing.