Calculator
CPF Usage Calculator
CPF withdrawal limit for older HDB and private property, pro-rated by remaining lease and buyer age.
Your inputs
Results
Maximum CPF usable
$0
- CPF usage as % of price
- 0%
- Pro-rating status
- —
- Lease covers buyer until age
- —
Approximation only. The official CPF Board calculator handles edge cases (Basic Retirement Sum top-up, Valuation Limit vs Withdrawal Limit, multi-property usage) that this simple tool does not.
- Results are indicative only and not a bank-approved quotation, IRAS assessment, or HDB confirmation.
- Interest rates, stamp-duty rates, LTV limits and CPF rules change. Verify the latest with MAS, IRAS, HDB and your lender before transacting.
- Consult a qualified mortgage broker, conveyancing lawyer, or accountant for advice specific to your situation.
- SellMyHouse.sg accepts no liability for decisions made on the basis of these calculations.
Last updated: 26 May 2026
FAQ
Frequently Asked Questions
CPF rules ensure your CPF savings still support you in retirement. The pro-rating mechanism limits how much CPF can be locked into a property whose lease will run out before you turn 95.
VL is the lower of the property's purchase price or HDB/bank valuation at the point of purchase. It caps how much CPF Ordinary Account funds can be used towards the property.
For private property, you can use CPF up to 120% of VL provided you meet the Basic Retirement Sum (BRS) in your CPF after the property purchase. For HDB, the WL no longer applies since the 2019 simplification — only VL.
Lease + age = 95 — exactly on the boundary, full CPF allowed. If you're 56 instead, you'd be pro-rated. Older buyers should also factor in the 25-year maximum loan tenure cap, which is more binding than CPF for many.
For HDB resale: minimum 5% must be cash (no CPF). For private property and EC: minimum 5% must be cash, next 20% from cash or CPF. Both subject to LTV caps.
No CPF can be used at all. Cash + bank loan only. Banks are also reluctant to lend on such short leases.
Yes — when you sell, all CPF used (including accrued interest at 2.5% p.a. compounded) must be returned to your CPF account before sale proceeds become cash. Use a CPF Refund estimator before selling.
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