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Below age 55	Current Full Retirement Sum – Special Account (SA) savings – Amount withdrawn from SA for investments¹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¹Net SA savings withdrawn under CPF Investment Scheme for investments that have not been completely disposed of.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 is the priority of Home Protection Scheme deduction if my family member has authorised the Board to deduct my premium from their CPF Ordinary Account?

Related questions

How do I pay the Home Protection Scheme premium?

Why are only certain individuals allowed to pay my Home Protection Scheme premium using their CPF Ordinary Account savings?

What is the priority of the Home Protection Scheme deduction if I am also using my CPF savings to pay my monthly housing instalments?

Which CPF account would the premium be refunded to if my family member has used their CPF savings to pay for my Home Protection Scheme premium?