Condo Breakeven Example unit
Starts with example figures. Your changes stay in this browser.
Breakeven sale price

Sell for at least S$0

S$0
S$0

Your figures

Click a heading to open or close it

Buying

Seller's stamp duty counts from this date.
From the IRAS residential rates.
0% for a citizen's first home.

Home loan

Interest packages. The first row is the rate you started on. Add a row each time the bank repriced the loan.

PackageStarts onRate (% a year)Fee paid
Only charged if you sell before lock-in ends.
Leave empty to use the estimate.

Tenancies

One row per lease or renewal. Rent counts in whole months up to the sale date. Gaps between leases count as empty months.

StartEndRent a monthAgent feeCounted
Total mo

Yearly bills

Enter each bill under the year you paid it. Maintenance is the MCST fee per quarter, sinking fund included. Put tax still due on rent received before the sale in the year it will be paid.

YearMaintenance / qtrQuartersProperty taxIncome tax on rentInsuranceOtherYear total
Total

One-off spending

Repairs, furniture, appliances, cleaning, painting. One line per bill.

DateTypeWhat it wasAmount

Selling

Rent and interest count up to this date.
Principal plus accrued interest, from the CPF website.

Where it adds up

From what you paid to breakeven

Each bar moves the breakeven price up or down from the purchase price. Rent pulls it down.

Adds to breakevenLowers itNet gap

Profit or loss at each sale price

Hover or drag across the chart to read a price.

Show as a table

Rent and running costs by year

Running costs are interest, maintenance, tax, insurance, agent fees and one-off spending. Buying and selling costs are left out.

Rent receivedRunning costs

The ledger

Stamp duty rates follow IRAS: buyer's stamp duty from 15 Feb 2023, and seller's stamp duty of 12%, 8% and 4% for sales within one, two and three years of buying (16% to 4% over four years for homes bought from 4 Jul 2025).

Mortgage interest is estimated month by month from your rates. Principal repayments are not counted as a cost because the sale pays off the loan. The CPF refund goes back into your own CPF account, so it is shown in the cash figures only.

Not counted: interest your downpayment could have earned elsewhere, and CPF accrued interest.

Everything runs in your browser. Your figures are saved in this browser only and are never sent anywhere. The code and a matching Excel workbook are on GitHub. This is a calculator, not financial or tax advice, so check the rates with IRAS and your bank before you rely on them.