Free calculator

CPF accrued interest

Every dollar of CPF Ordinary Account savings you use for your home keeps earning interest in your head. When you sell, you must refund what you took out plus that foregone interest. Enter your figures to see how big the accrued interest has grown.

S$22,509.60

This is the accrued interest alone, on top of the S$151,800.00 of CPF you used. If you sold today you would refund S$174,309.60 to your CPF, compounded at the 2.5% Ordinary Account rate. It returns to your CPF, not your pocket.

The CPF Ordinary Account savings you put towards the downpayment, stamp duty, and legal fees when you bought.

S$

The calendar year you completed the purchase. Used to compound the accrued interest.

The CPF amount that goes towards your home loan each month. Leave blank if you pay cash.

S$

The calendar year you are modelling a sale. The accrued interest is calculated up to mid-year.

What you would refund to CPF

CPF principal you usedS$151,800.00
Accrued interest on topS$22,509.60
Total refund due to CPFS$174,309.60

How it grows, year by year

End of 2018S$66,221.77
End of 2019S$78,832.12
End of 2020S$91,761.37
End of 2021S$105,017.58
End of 2022S$118,609.01
End of 2023S$132,544.16
End of 2024S$146,831.70
End of 2025S$161,480.55
End of 2026S$174,309.60

Each row is the running total of CPF principal plus accrued interest as of that year, on a 30/360 monthly-compounding approximation. Your official CPF statement is the figure that settles at sale.

Sources

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These calculators are free educational tools. They do not require a login and they do not constitute financial advice or a recommendation. Results are illustrative projections based on the inputs you provide and on current MAS, CPF Board, and IRAS parameters, which are reviewed periodically. ConSol generates educational financial roadmaps; all recommendations require review by our licensed advisory team. Vasper Financial operates as an objective advisory, not tied to any single insurer or institution.