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Below age 55	Current Full Retirement Sum – Special Account (SA) savings – Amount withdrawn from SA for investments¹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¹Net SA savings withdrawn under CPF Investment Scheme for investments that have not been completely disposed of.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

Can I insure my dependent under Integrated Shield Plan (IP), but insure myself under MediShield Life and vice-versa?

Related questions

Would I have duplicate coverage if I buy an Integrated Shield Plan (IP) as I am covered under MediShield Life now?

Am I paying double premiums for my MediShield Life and Integrated Shield Plan?

My employee is currently covered under MediShield Life. What will happen to their MediShield Life cover if I buy an Integrated Shield Plan (IP) for them?

I already have an Integrated Shield Plan. How is MediShield Life relevant to me?