CPF Accrued Interest Calculator: What You Refund to CPF When You Sell

When you sell (or transfer) a property bought with CPF, the sale proceeds first repay any housing loan, then go back into your CPF: the principal you used (downpayment, monthly instalments, stamp duty and legal fees) plus accrued interest. CPF Board defines accrued interest as the interest those savings would have earned had they stayed in your account. It runs from the date you first used CPF until the refund, at the prevailing Ordinary Account rate, compounded annually, and it keeps growing after the loan is paid off.

The OA rate is 2.5% a year (the floor rate, unchanged for October to December 2026). As with all CPF interest, we compute it monthly and add it to the balance on 31 December each year, so interest earns interest from the next year. An amount used in a month starts accruing from the following month, and the sale month itself earns nothing. Accrued interest does not include the extra 1% interest on the first S$60,000.

Enter your figures as a downpayment plus monthly instalment, year by year from your CPF statement, or as one amount. This is an estimate: your exact principal and accrued interest are on CPF's Home ownership dashboard. If you were 55 before 1 January 2013 and had set aside the Full Retirement Sum by then, you only refund CPF used from 2013.

A voluntary housing refund puts cash back into your CPF before the sale. It is capped at the principal plus accrued interest, stops interest accruing on that amount, and the cash comes back as higher sale proceeds. In effect your cash earns 2.5% a year until you sell, so it is worth it only if you will not need the money sooner and cannot earn more elsewhere.