CPF Refund Calculator
Review principal used, accrued interest and the possible effect on cash proceeds.
Check CPF RefundSTART HERE · SELLER PATHWAY
Sell With Clarity: Know Your Numbers, Timeline and Next Move
Answer a few planning questions before checking your estimated proceeds, CPF refund, possible duties, resale levy and next-home readiness.
Educational planning tool · No login · Answers remain on your device · Verify decisions with the relevant authorities and professionals.
Interactive readiness check
What should you clarify before selling?
This short check identifies the parts of your sale plan that deserve attention first. It does not estimate market value or replace professional advice.
Question 1 of 8
Your planning outcome
Seller calculator pathway
Use the right tools in the right order
Each tool answers one part of the decision. Figures should be checked against current statements, official rules and professional advice.
Seller’s Stamp Duty
Check whether SSD may apply based on purchase and intended disposal dates.
Check SSDResale Levy Calculator
Review possible levy exposure for the next subsidised flat or new EC.
Check Resale LevySales Proceeds Calculator
Combine loan, CPF, duties, levy and transaction costs to estimate net position.
Estimate ProceedsSeller Timeline Planner
Coordinate OTP, completion, redemption, handover and next-home timing.
Plan TimelineRecommended sequence
From initial thought to responsible action
Do not begin with the asking price alone. Build a complete picture before committing.
Define the purpose
Upgrade, right-size, relocate, cash out or restructure.
Verify obligations
Loan redemption, CPF refund, SSD and possible levy.
Estimate net proceeds
Include legal, marketing, moving and other costs.
Sequence the move
Decide whether to sell first, buy first or arrange interim housing.
Prepare to market
Review positioning, documents, condition and handover plan.
Full-picture planning
Selling and moving are connected decisions
Before selling, check
- Indicative market range and selling strategy
- Outstanding loan and redemption figure
- CPF principal and accrued interest
- Possible SSD and resale levy
- Legal, marketing, moving and transaction costs
- Occupation, tenancy and handover constraints
Before the next home, check
- When cash and CPF may become available
- Purchase affordability and stamp duties
- TDSR, MSR, LTV and loan eligibility
- Temporary housing or bridging risk
- Renovation and move-in timing
- Long-term holding power after the move
Next-home tools
Continue your UProperty Start Here journey
If the sale supports another purchase, test the next-home numbers separately rather than assuming the proceeds will be sufficient.
Official verification
Check current rules at the source
Government policies and individual circumstances can change. Use the relevant official source before acting.
Turn uncertainty into a structured seller plan
Bring your property type, outstanding loan, CPF usage, preferred timeline and next-home intention for a clearer discussion.
Start a Strategic ConversationUProperty.sg provides general educational information and salesperson-led property guidance. This dashboard is not a valuation and does not constitute legal, financial, tax, CPF, HDB, banking or investment advice. Estimates do not guarantee sale price, proceeds, eligibility, approval or completion timing. Verify all figures, dates and requirements with CPF Board, HDB, IRAS, CEA, your bank, lawyer and other relevant professionals. Andrew Koh, CEA Reg. No. R018344F.