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Below age 55	Current Full Retirement Sum – Special Account (SA) savings – Amount withdrawn from SA for investments¹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¹Net SA savings withdrawn under CPF Investment Scheme for investments that have not been completely disposed of.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

SMU Students	To approach SMU
NTU and NUS Students	To approach OCBC or DBS
All other students	To approach DBS

How do I apply for the MOE Tuition Fee Loan (TFL)?

Related questions

What is the MOE Tuition Fee Loan (TFL)?

What happens if there are not enough savings in my Ordinary Account for payment of tuition fees?

I intend to take a loan to finance my education and I will repay it promptly upon my graduation. Which is better for me - the MOE Tuition Fee Loan (TFL) or CPF Education Loan?

Why can't I use more Ordinary Account (OA) savings for my child's tertiary education?