CPF Accrued Interest Calculator
Project the 2.5 per cent “phantom principal” that grows on your CPF OA when used for property, and the total refund obligation at sale. No login required.
When you fund a property purchase with your CPF Ordinary Account (OA), CPF Board tracks a parallel accrued-interest figure: the 2.5 per cent annual return that money would have earned if it had stayed in your OA. At sale, you must refund BOTH the principal AND the accrued interest before any cash reaches you.
This calculator gives you a quick projection. For exact figures (CPF Board uses monthly compounding on each disbursement separately), log in to CPF.gov.sg with Singpass .
CPF Accrued Interest Calculator
Project the 2.5% “phantom principal” that grows on CPF OA used for your property. Educational estimate — the official CPF calculator (Singpass login) has your exact figures.
Over 25 years, your CPF OA refund obligation is about 85% larger than the principal you used. This is the phantom principal that compounds at 2.5% per year.
Want the full picture?
Read the deep-dive guide on how CPF accrued interest works, the “negative cash sale” rule that changed in 2018, and strategies to minimise your refund burden.
Read the CPF Accrued Interest Property guide →
