CPF digital services will not be available on 23 Jan 2022 from 2am to 5am (Singapore time) due to system maintenance. We apologise for any inconvenience caused.

Maintenance: CPF digital services at the website will not be available on 24 Dec 2021, from 9.30am to 11am (Singapore time) due to system maintenance. We apologise for any inconvenience caused. You may still access CPF digital services on CPF mobile app.

my cpf

View personal CPF information and transactions for retirement, home ownership, healthcare, and more.

CPF overview

CPF empowers you to secure your life goals. Save for retirement, home ownership, and healthcare protection.

Growing your savings

For greater peace of mind in your golden years, CPF provides you with a strong foundation for retirement by helping you save for your retirement income, home ownership and healthcare needs.

Retirement income

Build a strong foundation for your retirement and get more from what you save in your golden years.

Home ownership

Owning a home can be affordable. Take care of your mortgage repayment, while protecting your retirement nest egg.

Healthcare financing

Learn how CPF can give you peace of mind to manage your basic healthcare sum and meet the costs of your healthcare needs.

Account services

Throughout your working life and in retirement, you can easily access your CPF account information using Singpass. To better manage your CPF savings, keep up with the latest news by having your contact details updated and subscribe to our email notifications.

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I have made a voluntary refund. Do I still need to refund to my CPF account when I sell my property?

The amount that you have to refund upon selling your property depends on how much you have voluntarily refunded:

  • If you have fully refunded all the CPF savings you have withdrawn for your property with accrued interest, you will not need to make any refunds
  • If you have partially refunded the CPF savings you have withdrawn for your property with accrued interest, you will need to refund the balance CPF savings you have used with interest
When a property is sold, generally, the selling price will be used to pay the following in this order:
  1. Outstanding housing loan
  2. Required CPF refund
  3. Other sale expenses, e.g., legal fees  
If the selling price (including the option monies) after paying the outstanding housing loan is not enough to make the required CPF refund, you do not need to top up the shortfall in cash, provided the property is sold at market value. However, the option monies (e.g. option fee and option exercise fee) received from your buyer in cash upon the sale of your property are considered part of the selling price and need to be refunded to your co-owner’s and your CPF accounts before the transaction can be completed.
Amount returned to owner A’s CPF Account:

Amount returned to owner B’s CPF Account: