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Below age 55	Current Full Retirement Sum – Special Account (SA) savings – Amount withdrawn from SA for investments¹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¹Net SA savings withdrawn under CPF Investment Scheme for investments that have not been completely disposed of.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 the Board automatically deduct the monthly instalment shortfall for my property from my co-owner's CPF account?

Related questions

If I had bought two private properties, which property will my CPF savings be used to service the monthly instalment first?

Is there any deadline for me to pay for the monthly instalment shortfall for my property?

What is the maximum monthly instalment amount that can be used for my property?

I have used cash to pay for my housing monthly instalment shortfall. Can I apply to pay with my CPF savings, and get a cash refund from my financier?