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Free · Property Profit Calculator

Property Profit Calculator

Buying, holding and selling costs

See what you actually make after stamp duties, loan interest, running costs and selling costs. Change any number and every figure updates. How it works

Your property

ABSD (Additional Buyer's Stamp Duty) is an extra tax on top of normal stamp duty. It depends on whether you are a citizen, PR or foreigner and how many homes you own. Joint buyers and remissions can change it. Ask Titus

Loan

Banks lend up to 75% for a first housing loan if the tenure and age limits are met, and less if you have other housing loans. HDB loans are also capped at 75%.
Usually up to 30 years for private property and 25 years for HDB, and limited so the loan ends by about age 65. Check with your bank.

Your sale

Purchase date, renovation, running costs and selling fees use typical figures. to change them.

Purchase details

Sets which Seller's Stamp Duty rules apply. Homes bought on or after 4 July 2025 pay SSD if sold within 4 years (16%, 12%, 8%, 4%). Homes bought from 11 March 2017 to 3 July 2025 pay it within 3 years (12%, 8%, 4%).
Owner-occupied homes pay much lower property tax than homes that are rented out or left empty.

Buying costs

For example mortgage stamp duty, loan fees or inspection costs.

Running costs

Only used to estimate property tax. IRAS taxes your home on its Annual Value, roughly a year's market rent. If you know the Annual Value or your tax bill, enter it below instead.

Selling costs

For example a loan early-repayment penalty or repairs agreed with the buyer.
    1

    Did I make money?

    This counts every cost: stamp duty, loan interest, renovation, property tax, MCST, agent fees and Seller's Stamp Duty.

    Where the money goes

      2

      What did it cost to own?

      Your breakeven price is the lowest price you can sell at and still get back every dollar you put in, after all costs. Sell above it and you make money.

      Total costs

      Price you need to break even

      3

      Was it a good return?

      “Money you put in” is your down payment, buying costs, every loan instalment and running cost. “Money you get back” is the sale price after selling costs and paying off the loan. The yearly return is how fast your own money grew.
      your money multiplied

      % a year:

      Free · Reply within 24 hours

      Before you trust that number…

      A calculator can't see the current loan limits or what similar units in the same project have sold for. Send me your numbers and I'll tell you honestly what I see.

      Review my results with Titus →

      Your results are already filled in. Just tap send.

      Titus Lim
      Titus LimCEA Reg. No. R071081I · PropNex RealtyS$30M+ transacted in 2025 · HDB, EC and condo moves

      “Property decisions should be built around a plan, not pressure.”

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      Compare two properties

      Save these numbers as A. Change the price, loan or holding period, then save as B to see them side by side.

      What if my loan rate goes up?

      Most home loans reprice after two or three years, so here is the same sale at higher rates.

      See the detailed numbers

      Buying

      Holding

      Selling

      Loan

      Final position

      How this is calculated

      • Profit = selling price − purchase price − buying costs − loan interest − running costs − selling costs.
      • Buying costs: Buyer's Stamp Duty, ABSD for your buyer profile, renovation, legal, valuation and other one-time costs.
      • Loan principal is not a cost. It comes back to you when you sell; only the interest is.
      • Property tax uses IRAS owner-occupier rates (from 2025) or non-owner-occupier rates (from 2024), on the Annual Value or a year's rent.
      • Seller's Stamp Duty: bought on or after 4 July 2025, 16% / 12% / 8% / 4% if sold within 1 / 2 / 3 / 4 years. Bought 11 March 2017 to 3 July 2025: 12% / 8% / 4% within 3 years. HDB flats pay none.

      Keep in mind

      • Rates, rent and costs are held flat for the whole period.
      • CPF accrued interest isn't counted. If you used CPF, you must put it back with interest when you sell, so your cash proceeds will be lower.
      • It doesn't check loan limits (TDSR / MSR) or what similar units nearby sold for. That's where Titus comes in.
      • Stamp duty and tax rules change. Check iras.gov.sg before you commit.

      For illustration only. These are estimates from the figures you enter, not financial advice or a guarantee of returns.

      Estimated profit—
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