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Below age 55	Current Full Retirement Sum – Special Account (SA) savings – Amount withdrawn from SA for investments¹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¹Net SA savings withdrawn under CPF Investment Scheme for investments that have not been completely disposed of.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

I was diagnosed with a complex chronic condition in the middle of the year. How does this affect my MediSave500/700 withdrawal limit?

Related questions

I am a patient with a complex chronic condition. Will I enjoy the higher withdrawal limit of $700 under MediSave500/700 even after my condition improves?

If I have used $500 from my MediSave account for my treatment under MediSave500, can I still withdraw from my family members' MediSave accounts to pay for my treatment?

How do I know if I am eligible for the higher withdrawal limit of $700 under MediSave500/700?

I have signed up for an approved chronic disease treatment package or an approved vaccination package with my healthcare provider. May I use my MediSave to pay for the package?