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Below age 55	Current Full Retirement Sum – Special Account (SA) savings – Amount withdrawn from SA for investments¹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¹Net SA savings withdrawn under CPF Investment Scheme for investments that have not been completely disposed of.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 use the CPF savings immediately upon the receipt of the transferred monies from my ex-spouse?

Related questions

Can I use my CPF savings to pay for the cash consideration to my ex-spouse for the transfer of property?

Can I use my CPF savings to make the required CPF refunds to my ex-spouse upon the transfer of property?

Under a transfer order, do I need to set aside my retirement sum before my ex-spouse can receive their entitlement?

Can I request to retain the Ordinary Account savings in the CPF accounts for future housing needs?