HDB Sale Proceeds Calculator Singapore
(Estimate Cash & CPF Refund)

Find out how much cash you will receive after selling your HDB flat in Singapore, including your CPF refund and estimated net proceeds.

Understanding your financial position is an important first step — especially if you plan to use your sale proceeds to finance your next property purchase.

This calculator helps you estimate your cash proceeds quickly, so you can plan your next move with clarity and confidence.

Get My Exact Sale Proceeds (Free)

Calculate Your HDB Sale Proceeds

Enter your details below to estimate your cash proceeds.

LESS

CPF utilised plus accured interest

You are having negative sale proceeds the deposit received from the buyer needs to return to HDB.

Disclaimer:
This calculator gives an estimated sale proceeds based on the information you provide. Actual amounts may differ depending on your loan, CPF refund, fees, and HDB rules.

How Much Cash Will You Get After Selling Your HDB?

You will receive the remaining cash after deducting your outstanding loan, CPF refund (including accrued interest), and selling costs from your HDB selling price.

The exact amount depends on your loan balance, CPF used, selling costs and the price you sell your flat for.

What Affects Your HDB Sale Proceeds?

  • Selling Price: Higher selling price generally results in higher cash proceeds.
  • Outstanding Loan: Your remaining loan must be fully paid off upon sale.
  • CPF Refund: CPF used plus accrued interest must be returned to your CPF account.
  • Selling Costs: Includes agent commission, legal fees, and other costs.

How to Calculate HDB Sale Proceeds

  1. Estimate your HDB selling price based on recent transacted prices of similar flats in your area.
  2. Deduct your outstanding loan
  3. Refund CPF used plus accrued interest
  4. Subtract agent commission and legal costs
  5. The remaining amount is your cash proceeds

Example of HDB Sale Proceeds Calculation

If you sell your HDB flat at $600,000, with an outstanding loan of $200,000 and CPF used of $250,000:

HDB Sale Proceeds vs Cash Proceeds: What’s the Difference?

Sale proceeds refer to the total amount from selling your HDB flat, while cash proceeds refer to the actual cash you receive after deducting your outstanding loan, CPF refund, and selling costs.

Want an Accurate Calculation Based on Your Situation?

Every HDB sale is different. Get a personalised estimate of your sale proceeds and the best strategy for your next move.

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Frequently Asked Questions

How much cash will I get after selling my HDB flat?

Your cash proceeds are the remaining amount after deducting your outstanding loan, CPF refund (including accrued interest), and selling costs from your selling price.

Do I need to refund CPF after selling my HDB?

Yes, you must refund the CPF amount used for your property, including accrued interest, back into your CPF account.

Can I use my sale proceeds to buy another property?

Yes, you can use your cash proceeds and CPF funds (subject to CPF rules) to finance your next property purchase, subject to eligibility and loan limits.

How long does it take to receive my sale proceeds after selling my HDB flat?

You will typically receive your sale proceeds about 3 months after granting the Option to Purchase (OTP), upon completion of the transaction. This timeline includes the legal completion process, where your outstanding loan is repaid and your CPF funds are refunded. The remaining balance will then be paid to you as cash proceeds on completion.

When will I get my CPF refund after selling my HDB flat?

Your CPF refund is credited to your CPF account about 14 days after the completion of your HDB sale. This refund includes the CPF amount you initially used to buy the flat, plus any accrued interest.

Planning to Sell Your HDB Flat in Singapore?

When selling your HDB flat, your goal is to maximise your sale proceeds, minimise costs, and have peace of mind throughout the process. Using this HDB sale proceeds calculator, you can quickly estimate your cash and CPF refunds to plan your next move confidently.

Get a personalised and accurate calculation

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