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CPF Accrued Interest Calculator (2026)

See the accrued interest you must refund to your CPF Ordinary Account when you sell or transfer a property — 2.5% p.a. compounded monthly.

Your CPF usage

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v1 covers a single withdrawal event. For top-ups during ownership, use the CPF Board's official refund calculator.

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Enter your CPF OA principal and dates to see the accrued interest you must refund on sale.

For reference only — not financial advice.

How CPF accrued interest works

Three things to know before you sell.

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2.5% p.a. compounded monthly

CPF OA earns 2.5% per annum, compounded monthly. The interest you must refund equals what your principal would have earned had it stayed in OA the whole time.

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It is not a loss

The refund goes back into your CPF OA. It is not cash out the door — it is your retirement savings being restored to where they would have been.

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It compounds with time

Holding the property longer means more accrued interest to refund. Over 15+ years the interest can rival the original principal — and that affects what is "left over" in cash after a sale.

FAQ

What is CPF accrued interest?add
When you use CPF OA to fund a property purchase, that money would otherwise have earned 2.5% p.a. inside your OA. When you sell the property, you must refund both the principal CPF you used and the interest it would have earned — the "accrued interest" — back into your OA.
How is CPF accrued interest calculated?add
Accrued Interest = Principal × ((1 + 0.025/12)^months − 1), where months is the number of full calendar months between the date the CPF was first drawn and the date you sell. CPF compounds monthly, so the effective annual rate is slightly above 2.5% (~2.53%).
Is CPF accrued interest a loss?add
No. The refund goes back into your CPF OA and continues earning 2.5%. It is not money you lose — it is money that returns to your CPF to fund your retirement. The opportunity cost is real (CPF growth vs property growth) but the interest is not a cash outflow.
What if my sale proceeds cannot cover the principal + accrued interest?add
This is the "negative sale" scenario. HDB and CPF have specific rules for shortfalls — generally the available proceeds are refunded to CPF first (waiver of accrued interest in HDB cases under conditions), but you may still have to top up. Confirm with HDB and the CPF Board for your exact situation.
Does this calculator handle CPF top-ups during ownership?add
Not in v1. This calculator covers a single withdrawal event (the original CPF used at purchase). If you made monthly CPF instalments toward the mortgage, each instalment accrues its own interest from the date of that instalment. Use the CPF Board's official refund calculator for the full, payment-by-payment number.

Sources

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