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Buy A HomeBTOResaleStep 6 of 7Next: Is It Better To Rent Or Buy?

Should I Pay My Home Loan With CPF Or Cash?

CPF Vs Cash Mortgage Payoff

Paying your home loan with CPF OA or cash? Enter your loan details to compare the wealth each path leaves you at the end of the loan, with a year-by-year chart.

New to this? Read The Short Guide First →

Page updated · Data dates are in the notes below
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1 Your Numbers

Your Starting Point

Pay with cash and your CPF OA keeps growing at 2.5%. Pay with CPF and your cash keeps growing instead. Enter your loan to see which ends ahead.

Only if your rate changes later, e.g. 1.7% for the first 3 years.

Leave both empty to use one rate for the whole loan.

4% is an example, not a promise. Your OA earns 2.5%, so a return near 2.5% makes the two choices about level.

We work this out in your browser.

2 Your Result

By the end of your loan, paying with cash or CPF leaves you

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Pay With Cash: OA Grows To
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Pay With CPF: Cash Grows To
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Monthly Instalment
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Accrued Interest Owed Back To Your CPF (If You Use CPF)
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What This Means
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What This Estimate Assumes

Pay with cash → your OA keeps compounding at 2.5%. Pay with CPF → your cash compounds at the rate you enter, but you owe accrued interest (2.5% compounded on every dollar of CPF used) back to your own OA when you sell. Simplified: one loan rate, or your first rate for the lock-in years and then your later rate with the instalment recalculated; no extra-interest tiers; ignores taxes and refinancing costs. The accrued interest goes back to you, not the bank — but it reduces your cash proceeds on sale.

3 What Next

Step 7 of 7 in Buy A HomeIs It Better To Rent Or Buy?Rent Vs Buy Calculator →Read The GuideShould I Use CPF Or Cash To Pay My Mortgage? →

Before You Use This Number

Do I Need An Account To Use This Tool?

No. The tool works in your browser with no account. If you copy a result link, it includes the numbers you entered.

What Does This Estimate Assume?

Pay with cash → your OA keeps compounding at 2.5%. Pay with CPF → your cash compounds at the rate you enter, but you owe accrued interest (2.5% compounded on every dollar of CPF used) back to your own OA when you sell. Simplified: one loan rate, or your first rate for the lock-in years and then your later rate with the instalment recalculated; no extra-interest tiers; ignores taxes and refinancing costs. The accrued interest goes back to you, not the bank — but it reduces your cash proceeds on sale.