CPF Accrued Interest Calculator

🔁 CPF Accrued Interest

When you sell your Singapore property, you must refund the CPF you used plus the interest those savings would have earned in your Ordinary Account. This estimates that refund.

CPF principal used (total CPF withdrawn for this property so far)

Years held (since CPF was first used)

OA interest rate (as of 2026, edit if changed)

Note: CPF compounds your accrued interest yearly on the running balance. Because you keep using CPF over many years, this is an estimate that assumes the principal was drawn at the start. For your exact figure, log in to my cpf and check your accrued interest statement.

Estimated total CPF refund

Principal plus accrued interest.

Principal Accrued interest

Source: CPF Board, "CPF refund when selling or transferring property" and "How does the Board calculate the accrued interest on the amount of CPF used for my property", cpf.gov.sg. The Ordinary Account rate is 2.5 percent per annum (the floor rate) as of 2026. For your exact accrued interest, use your statement at cpf.gov.sg.

General information only, not financial advice. This is an estimate that simplifies how CPF accrues interest over time. Verify your actual refund amount with the official CPF Board statement before you act.