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Below age 55	Current Full Retirement Sum – Special Account (SA) savings – Amount withdrawn from SA for investments¹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¹Net SA savings withdrawn under CPF Investment Scheme for investments that have not been completely disposed of.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

Does CPF Board disburse the CPF Housing Grant (CHG) and who is eligible for the CPF housing grant?

Related questions

What should I do if I would like to use the CPF Housing Top-Up Grant for my Housing & Development Board flat?

As a bankrupt, can I use my CPF savings to buy a Housing & Development Board flat?

I have a valid HFE letter which states that I am not eligible for the Enhanced CPF Housing Grant (EHG) as I did not meet the condition of working continuously for 12 months then. I have met the condition now. Can I request for the EHG when I apply to buy a new or resale flat?

If I did not apply to use my CPF savings when buying my HDB flat, can I apply to be covered under the Home Protection Scheme and use my CPF savings for monthly housing instalments now?