CPF accrued interest calculator
CPF used for a home goes back to your CPF account when you sell, with the interest it would have earned in your Ordinary Account. This estimates that refund, month by month, as CPF Board works out CPF interest.
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Result
Worked exampleCPF to refund when you sell
$356,853
$298,500 used, plus $58,353 accrued interest at 2.5% a year
Accrued interest
$58,353
Over 10 years and 1 month, counting the months you buy and sell
CPF used
$298,500
$120,000 when you bought and $1,500 a month for 119 months
| CPF used when you bought | $120,000 |
|---|---|
| CPF used for the loan (119 months) | $178,500 |
| Accrued interest | $58,353 |
| CPF to refund | $356,853 |
Year by year
| Year | CPF used | Interest |
|---|---|---|
| 2016 | $129,000 | $1,816 |
| 2017 | $147,000 | $3,514 |
| 2018 | $165,000 | $4,052 |
| 2019 | $183,000 | $4,603 |
| 2020 | $201,000 | $5,168 |
| 2021 | $219,000 | $5,748 |
| 2022 | $237,000 | $6,341 |
| 2023 | $255,000 | $6,950 |
| 2024 | $273,000 | $7,574 |
| 2025 | $291,000 | $8,213 |
| 2026 | $298,500 | $4,375 |
- An estimate. CPF Board works out the exact figure for your account; your CPF home ownership dashboard shows it under "What Happens If".
- When you sell at market value, the refund is capped at the price less the loan still owed. See it with the loan and costs in the condo or HDB sale proceeds calculator.
- The refund goes back to your CPF account, not to you in cash. Below age 55 it goes to your Ordinary Account, where it can pay for your next home.
A planning aid, not advice. It uses the rules shown below and the figures you enter. Banks, IRAS and CPF Board decide the actual figures for your case.
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See exactly what would be sent
What you entered: CPF used when you bought: $120,000 CPF used each month for the loan: $1,500 Date you bought: 15 June 2016 Date you expect to sell: 15 June 2026 Ordinary Account interest rate: 2.5% The results: CPF used: $298,500 Accrued interest: $58,353 CPF to refund: $356,853 Months counted: 121
The rules behind the numbers
Each table shows where the rule comes from and when we last checked it against that source. Rules change: check the source before you commit.
How accrued interest is worked out
| Rule | Figure used |
|---|---|
| Ordinary Account rate, 1 October to 31 December 2026 | 2.5% a year |
| How it is worked out | Every month, and added to the account once a year |
| CPF used in a month | Stops earning interest from that month |
| A refund received in a month | Starts earning interest the month after |
This calculator counts each amount from the month it is used to the month of the sale, both included, and adds the interest at the end of each December. CPF Board's own figure for your account may differ slightly.
- Source: CPF Board: CPF interest rates, 1 October to 31 December 2026. Last checked against this source on 29 September 2026.
- Source: CPF Board: How is my CPF interest computed and credited into my accounts?. Last checked against this source on 29 September 2026.
The CPF refund when you sell
| Rule | Figure used |
|---|---|
| The refund | The CPF used for the home (grants included), plus the accrued interest |
| Accrued interest | What that CPF would have earned in your Ordinary Account |
| If the price less the loan is less than the refund | Only that much is refunded, when you sell at market value; you do not top up the rest in cash |
| Option money received in cash | Part of the price, and refunded to CPF |
| Where the refund goes | Below age 55, to your Ordinary Account |
- Source: CPF Board: Refund of CPF savings when you sell or transfer your property. Last checked against this source on 29 September 2026.
- Source: CPF Board: What happens to the sales proceeds after selling your home (26 July 2024). Last checked against this source on 29 September 2026.
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