# CPF Accrued Interest Calculator: What You Refund to CPF When You Sell Work out the accrued interest on CPF used for your home and the total refund to your CPF when you sell, at the 2.5% OA rate, year by year. Free. Interactive tool: https://lookup.sg/tools/cpf-accrued-interest-calculator ## How this works 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. ## FAQs ### How much accrued interest will I pay on S$100,000 of CPF? About S$27,700 after 10 years, so you would refund roughly S$127,700 to your CPF on sale. After 20 years it is about S$63,500, a refund of around S$163,500. These figures use the 2.5% OA rate, computed monthly and compounded yearly. ### What is the CPF accrued interest rate? 2.5% a year, the prevailing CPF Ordinary Account rate (October to December 2026). It is compounded annually and runs from the date you used the CPF until you refund it, even after your housing loan is fully paid. ### Do I lose the accrued interest when I sell? No. The refund, principal and accrued interest, goes back into your own CPF Ordinary Account (or your Retirement Account first if you are 55 or older). It reduces the cash you get from the sale, but it stays your money in CPF. ### What if the sale price is not enough to refund my CPF? If you sell at market value, you only refund the selling price less the outstanding loan. CPF Board says you do not need to top up the shortfall in cash. ### Is a voluntary housing refund worth it? It stops accrued interest growing on the amount you refund, so S$20,000 refunded 5 years before a sale means about S$22,600 more cash at the sale. That is a 2.5% a year return, so it makes sense only for cash you will not need before then. ## Sources - [CPF Board: Why do I need to refund the accrued interest?](https://www.cpf.gov.sg/service/article/why-do-i-need-to-refund-the-accrued-interest-on-the-amount-of-cpf-savings-used-for-my-property) - [CPF Board: Refund of CPF savings when you sell or transfer your property](https://www.cpf.gov.sg/member/home-ownership/using-your-cpf-to-buy-a-home/cpf-refund-when-selling-or-transferring-property) - [CPF Board: Make a voluntary housing refund](https://www.cpf.gov.sg/member/growing-your-savings/saving-more-with-cpf/make-a-voluntary-housing-refund) - [CPF Board: How CPF interest is computed and credited](https://www.cpf.gov.sg/service/article/how-is-my-cpf-interest-computed-and-credited-into-my-accounts) --- Source: Lookup (https://lookup.sg) · Data as of October 2026 · Listings compiled from Singapore government open data (data.gov.sg), OneMap and Overture Maps places. Free listings never show contact details; contact details appear only on Lookup Verified listings.