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Below age 55	Current Full Retirement Sum – Special Account (SA) savings – Amount withdrawn from SA for investments¹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¹Net SA savings withdrawn under CPF Investment Scheme for investments that have not been completely disposed of.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

As a bankrupt, can I use my CPF savings for my own tertiary education?

Related questions

As a bankrupt, can my CPF savings be used to pay for my children's tertiary education?

Can I continue to use my CPF savings for my existing private property housing loan if I am going to be made a bankrupt?

As a bankrupt, can I use my CPF savings to buy a private property or to pay for the housing loan of my existing private property?

What should I do if I have submitted an application to use CPF savings for education under Institution A, but have now enrolled with Institution B instead?