CPF Refund Calculator Singapore
Estimate the CPF housing refund that may be required when selling a property in Singapore. The refund usually includes the CPF principal amount used, accrued interest, and pledged amount where applicable.
This calculator helps sellers understand why selling price is not the same as cash proceeds. It is designed for planning awareness before using the Sales Proceeds Calculator.
Estimate Your CPF Housing Refund
Enter the CPF principal used, accrued interest, and pledged amount if applicable. You may also enter the estimated selling price and outstanding loan to see whether sale proceeds may be enough to cover the CPF refund.
Your Estimated Result
This result is for planning awareness only. Verify the actual CPF refund amount with CPF Board.
How This CPF Refund Calculator Works
This calculator follows a simple CPF housing refund framework. It estimates the required CPF refund, then compares it with the estimated balance after the outstanding housing loan is paid.
1. CPF Principal Used
This is the CPF amount used for your property, including amounts used for purchase, housing loan, and related housing payments.
2. Accrued Interest
This is the interest that would have been earned if the CPF monies had remained in your CPF account.
3. Pledged Amount
If your property was pledged to meet your retirement sum, a pledged amount may also need to be refunded.
Useful UProperty.sg Interlinks
After estimating your CPF refund, use the Sales Proceeds Calculator to understand your broader seller position.
Official External References
Verify CPF refund, sale proceeds, HDB sale planning, and CEA consumer guidance through official sources.
Know Your CPF Refund Before You Sell
A clearer CPF refund estimate helps sellers avoid overestimating their cash proceeds and plan their next property move more responsibly.
Continue to Sales Proceeds Calculator