The maximum amount of top-ups you can receive depends on your age and your CPF savings. You can easily check your top-up limit in the “Top-ups” section of your Retirement Dashboard.

If you are below 55, you can refer to the “Maximum amount you can top up using cash” to reach the Current Full Retirement Sum.

If you are 55 or above, you can refer to the “Maximum amount you can top up using cash” to reach the Current Enhanced Retirement Sum.

Here is a breakdown of how the maximum top-up amount is calculated:

Age Group	Calculation Method
Below age 55	Current Full Retirement Sum – Special Account (SA) savings – Amount withdrawn from SA for investments¹
Age 55 and above	Current Enhanced Retirement Sum – Retirement Account (RA) savings² - RA savings used for CPF LIFE premiums

¹Net SA savings withdrawn under CPF Investment Scheme for investments that have not been completely disposed of.

² Excludes, generally, interest earned, government grants received and includes retirement withdrawals.

You can refer to these examples on how the maximum top-up amount is computed.

I have a partnership firm. Do all partners need to make MediSave contributions before renewing the business licence?

Related questions

If I do not earn any net trade income for the year, can I renew my licence?

If I do not intend to renew my licence, do I need to settle my outstanding MediSave payable?

I am holding two types of licences (e.g. LTA and ACRA). Do I have to contribute to MediSave for both licences?

Why do I need to make other payment arrangements in order to renew my licence when I am already on Contribute As You Earn (CAYE)?