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Below age 55	Current Full Retirement Sum – Special Account (SA) savings – Amount withdrawn from SA for investments¹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¹Net SA savings withdrawn under CPF Investment Scheme for investments that have not been completely disposed of.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

Do I need to refund the sale proceeds to my CPF accounts if I sell my flat after claiming the benefits under the Home Protection Scheme?

Related questions

What are the restrictions imposed on the sale of my flat after I have claimed the Home Protection Scheme benefits?

Do I have to refund the housing grant to my CPF account upon sale of my property?

Do I have to refund the sale proceeds when I sell my property after my CPF account is closed upon my renunciation of Singapore Citizenship/ Permanent Residency?

I am over 55 years old and am planning to sell my property. How much do I need to refund to my CPF account?