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Below age 55	Current Full Retirement Sum – Special Account (SA) savings – Amount withdrawn from SA for investments¹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¹Net SA savings withdrawn under CPF Investment Scheme for investments that have not been completely disposed of.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

If I did not use my CPF savings for my property, do I have to top up my Retirement Account upon sale of my property?

Related questions

Can I continue to use my CPF savings for the property or withdraw my Retirement Account savings above the Basic Retirement Sum in cash after discharging the CPF charge?

Can I choose to set aside my Full Retirement Sum with a mixture of property and cash, and withdraw part of my Retirement Account savings if I own a foreign property?

I am above 55. When I sell my existing property, what can I do with the sale proceeds that are refunded to my CPF Retirement Account?

I did not use my CPF savings for my property. Can I withdraw my Retirement Account savings using my property?