SUMMARYThis paper studies the stability of the central difference method (CDM) for real-time substructure test considering specimen mass. Because the standard CDM is implicit in terms of acceleration, to avoid iteration, an explicit acceleration formulation is assumed for its implementation in real-time dynamic substructure testing. The analytical work shows that the stability of the algorithm decreases with increasing specimen mass if the experimental substructure is a pure inertia specimen. The algorithm becomes unstable however small the time integration interval is, when the mass of specimen equal or greater than that of its numerical counterpart. For the case of dynamic specimen, the algorithm is unstable when there is no damping in the whole test structure; a damping will make the algorithm stable conditionally. Part of the analytical results is validated through an actual test.