PROPERTY • CPF

CPF Accrued Interest Calculator (Singapore)

Use this to estimate the CPF refund when you sell: CPF used + accrued interest. This is a planning model — exact refund depends on your CPF withdrawal history and timing.

Inputs

Sum of CPF used for downpayment + monthly instalments (planning total).
How long the CPF was outstanding before sale/refund.
Default 2.5% p.a. (planning). If you want to be conservative, use 2.6–3.0%.
We approximate CPF accrual with monthly compounding for planning.

Tip: if you’re using this for sell proceeds or upgrade planning, copy the “CPF refund” number into those calculators.

Related
CPF refund (principal + accrued interest)
S$ —
Planning estimate of what CPF will claw back on sale.
Accrued interest
S$ —
Refund multiple
—
Refund ÷ CPF used.

Breakdown

ComponentSGD
Enter inputs and click Calculate.

Notes

  • This model assumes a single lump-sum CPF usage outstanding for the whole period (planning approximation).
  • If you used CPF monthly, actual accrued interest will differ (usually lower than lump-sum at time 0, but higher than ignoring compounding).
  • For conservative planning, increase the interest rate slightly or the holding period.
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