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Below age 55	Current Full Retirement Sum – Special Account (SA) savings – Amount withdrawn from SA for investments¹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¹Net SA savings withdrawn under CPF Investment Scheme for investments that have not been completely disposed of.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.

What will happen to my stock & gold investment limits arising from the merger of Academic Staff Provident Fund Approved Investment Scheme and CPF Investment Scheme?

Related questions

After the merger of Academic Staff Provident Fund Approved Investment Scheme (ASPFAIS) and CPF Investment Scheme (CPFIS), will the transfer be reflected in any of my CPFIS statements?

After the transfer of my Academic Staff Provident Fund Approved Investment Scheme investments to CPF Investment Scheme, what will happen to the sale proceeds if I subsequently sell those investments?

Will I receive any notifications after the transfer of my investments from my Academic Staff Provident Fund Approved Investment Scheme to CPF Investment Scheme?

Arising from the merger of Academic Staff Provident Fund Approved Investment Scheme and CPF Investment Scheme, do I need to inform my broker or any of the product providers of my new CPF Investment Account number?