CPF Housing Accrued Interest & Refund Calculator
Calculate mandatory CPF housing refunds (Principal + 2.5% compound accrued interest), mortgage payoff, and net cash proceeds upon property sale.
Calculate mandatory CPF housing refunds (Principal + 2.5% compound accrued interest), mortgage payoff, and net cash proceeds upon property sale.
Calculate mandatory CPF housing refunds (Principal + 2.5% compound accrued interest), mortgage payoff, and net cash proceeds upon property sale. Calculate exact, penny-accurate projections compliant with 2026 CPFB • IRAS • Monetary Authority of Singapore (MAS) • HDB standards using Calconova's deterministic IEEE-754 (Decimal.js) calculation engine with instant breakdowns.
Official CPFB 2.5% compound refund rules
Total\ Principal = Principal_{Downpayment} + Principal_{Installments} + Grants \\
Accrued\ Interest = Total\ Principal \times \left((1 + 0.025)^{Years} - 1\right) \\
Total\ CPF\ Refund = Total\ Principal + Accrued\ Interest \\
Net\ Cash = \max(0, Selling\ Price - Outstanding\ Loan - Costs - Total\ CPF\ Refund)When selling a Singapore property, all CPF Ordinary Account savings used (downpayment, monthly loan repayments, housing grants), plus the 2.5% per annum compound interest it would have earned, must be refunded into your CPF. The remaining balance represents your net cash in hand.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, or legal advice. Actual CPF interest rates, ABSD criteria, COE prices, and bank mortgage rates may vary. Calconova explicitly disclaims all liability for any decisions taken based upon these calculations. Consult a MAS-licensed financial adviser or IRAS/CPF officer prior to executing financial commitments.
Accrued interest is the 2.5% annual compound interest your CPF Ordinary Account savings would have earned had they not been withdrawn to finance your home purchase. It is not paid to the government; it returns to your own CPF account for your retirement.
100% of the refunded money goes back into your own CPF Ordinary Account. You can immediately reuse it to finance your next property purchase, service housing loans, or leave it in OA to compound safely.
As long as the property is sold at fair market value, you do not have to top up the shortfall in cash. The unrecovered accrued interest will be written off by CPFB, ensuring you never end up in debt from a negative cash sale.
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