Tools · Invest & Grow
HDB Sale Proceeds
What a sale leaves you — cash vs CPF — and the lease-to-95 CPF rule.
What an HDB sale leaves you is not price minus loan. The loan is repaid first, then your CPF principal with accrued interest goes back to your account, then the costs; only the rest is cash. The tool splits the proceeds into cash and CPF, and for the next flat applies the lease-to-95 rule on how much CPF you may use.
What you enter
- Sale price, outstanding loan, CPF principal used and years held
- For the next flat: remaining lease and the youngest buyer's age
What you get
- Cash in hand versus CPF refunded
- Accrued interest, itemised
- The CPF usable on an older flat under the lease rule
Worked example
$680,000 sale, $150,000 loan, $220,000 CPF used over 9 years
Cash in hand about $250,000
- Loan repaid
- $150,000
- CPF refund incl. accrued interest
- $268,000
- Costs
- $12,000
- Cash
- $250,000
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: Upgrading from HDB to private: sell first or buy first?.
Answers: HDB sale proceeds calculator, CPF refund accrued interest, cash after selling HDB.
Also in Invest & Grow
This tool is part of Roov Pro. Create a free account first — the affordability check, live rates, grants, timelines and market analysis come with it — and upgrade when you want this one.