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Below age 55	Current Full Retirement Sum – Special Account (SA) savings – Amount withdrawn from SA for investments¹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¹Net SA savings withdrawn under CPF Investment Scheme for investments that have not been completely disposed of.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

Can I use multiple policies to withdraw my retirement savings if I have more than one source of lifelong income?

Related questions

When can I apply to withdraw my retirement savings if I have a pension/annuity?

Can I choose how much I want to withdraw from my retirement savings if I have an alternative pension/annuity?

Can I opt out of receiving CPF monthly payouts and withdraw all my retirement savings?

Can I still make top-ups or receive top-ups to my retirement savings if I have withdrawn my savings using my pension/annuity?