Most sellers only look at the sale price minus the purchase price. This tool adds up everything paid across the years held: loan interest, property tax, maintenance, insurance, and renovation, then compares that against SSD and selling costs to show your true net return and break-even sale price.
Compare the true net return against the gross capital gain. A large gap between the two usually means interest and holding costs quietly ate into the headline profit.
It is the minimum price at which your sale covers every cost of ownership, including purchase duties, interest, holding costs, SSD, agent fees, and legal fees. Selling above it means a genuine positive return, not just a paper gain.
No. The CPF principal you used plus accrued interest at 2.5% per year goes back into your own CPF account at sale. It is your money either way. It matters because it reduces the cash portion of your proceeds, which affects how much cash you have for your next down payment.
On a BUC purchase, the bank disburses the loan in stages as construction progresses, so you paid far less interest in the early years than a fully disbursed resale loan would suggest. BUC mode models a standard progressive payment schedule up to TOP, with the final disbursement at CSC, so your total interest is not overstated.
If SSD is still active, waiting for the next tier down or for the SSD-free window can materially improve your true net return.
This tool shows the true economic cost and return, not point-in-time net cash. For outstanding loan redemption and CPF refund at sale, use the Seller Profit Calculator.
Use the Stamp Duty Calculator for BSD and ABSD on your next purchase.