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QHow is my CPF interest computed and credited into my accounts?

CPF interest is computed monthly. It is then credited to your respective accounts and compounded annually. CPF interest earned in the year will be credited to your CPF accounts by 1 January of the following year.

CPF balances used for interest computation are affected by the transactions in your account. For instance, contributions (including refunds) received this month start earning interest next month. Withdrawals/deductions in this month will not earn interest from this month onwards.

There are strict procedures in place to ensure the accuracy of members’ CPF accounts and transactions (including interest payments). To further ensure that our system is sound and robust, our statutory auditor performs regular reviews of formulas and computations in our systems for accuracy, and conducts independent verifications of the transactions and account balances.

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