Which is harder CA or CFA?

Damien Woodard December 26, 2024
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By Phoenix Allen April 20, 2025

Determining whether the Chartered Accountant (CA) or Chartered Financial Analyst (CFA) designation is harder can be subjective, as both programs present unique challenges. The CFA program typically requires a minimum of two years to complete, encompassing three levels of exams that cover a wide range of financial topics. In contrast, the CA designation is often regarded as one of the most rigorous accounting qualifications globally, with an exceptionally low average passing rate of around 0.5% for its final exams. This stark difference in passing rates highlights the intense difficulty of the CA program. While the CFA has a higher average pass rate, estimated at about 10%, it still demands a significant commitment of time and effort. Ultimately, the perceived difficulty may depend on an individual's background, strengths, and career aspirations, making it essential to consider personal goals when evaluating these two prestigious qualifications.

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