Exit forecast

A what-if: if you sold after a few years at an assumed yearly price change, what might you take home? Prices can fall as well as rise.

Estimated cash from the sale—

After repaying the loan, refunding CPF with accrued interest and selling costs.

Assumed sale price—

Loan still owed—

CPF refund incl. accrued interest—

Commission, legal fees and SSD—

Interest paid while you owned it—

Gain or loss after costs—

How this estimate works

Sale price = purchase price × (1 + yearly change)^years. The loan balance and interest follow the amortisation table. CPF used for the down payment and the share of instalments you choose is refunded with accrued interest, approximated here at the 2.5% Ordinary Account rate compounded monthly. SSD uses the verified engine if you enter a purchase date. Gain or loss = sale price − purchase price − BSD − ABSD − interest − selling costs − SSD; it ignores maintenance, property tax, renovation and rent saved or earned.

This is a hypothetical illustration, not a forecast or financial advice. Property prices can fall, and CPF statements give the exact accrued interest.

Official references: MoneySense LTV and minimum cash, CPF accrued interest, IRAS BSD. Rules checked 3 November 2026.

More planning tools.

New launch paymentsProgressive payments and loan drawdown by stage Compare two homesUpfront and monthly costs side by side Pledge or show fundsAssets needed to meet the 55% TDSR Rental stamp dutyIRAS lease duty for a tenancy agreement Amortisation tableInterest, principal and balance, year by year Age and loan tenureLongest tenure before the loan limit drops Safety netMonths of repayments your savings cover Decoupling stamp dutyBSD and ABSD on buying a co-owner’s share Core calculatorsSale proceeds, affordability, mortgage, BSD, ABSD, SSD

Want me to check the figures?

Send me the numbers you entered. We can confirm them against your bank’s offer, CPF statement and the actual contract.

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