The breakeven price of a sale is the price at which you walk away with nothing lost: purchase price, stamp duties, interest paid, costs of selling, and the CPF accrued interest you owe your own account. Sale proceeds shows the cash you would actually pocket at any price above it.
What you enter
- Purchase price, loan, rate, years held
- CPF used, selling costs, expected sale price
What you get
- Breakeven sale price
- Cash pocketed at your expected price
- CPF refund with accrued interest, itemised
Worked example
$1,200,000 bought 5 years ago, $900,000 loan
Breakeven about $1,318,000
- Interest paid to date
- $118,000
- CPF refund incl. accrued interest
- $142,000
- Cash at a $1,450,000 sale
- $278,000
Illustrative, for a Singapore citizen couple, 35, first property, $12,000 a month between them, $250,000 cash and $200,000 in CPF Ordinary Account unless the case says otherwise. Your own numbers replace every figure the moment you use the tool.
The rule behind it, in prose: When can I sell? SSD and the Minimum Occupation Period.
Answers: property breakeven price, sale proceeds after CPF accrued interest.
Also in Invest & Grow
This tool comes with a free account: no card, one minute, and your results carry into the roadmap and the report.