What is the maximum amount of top-ups I can receive?
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| Below age 55 | Current Full Retirement Sum – Special Account (SA) savings – Amount withdrawn from SA for investments1 |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1Net SA savings withdrawn under CPF Investment Scheme for investments that have not been completely disposed of.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.
This information is sourced from CPF
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