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Below age 55	Current Full Retirement Sum – Special Account (SA) savings – Amount withdrawn from SA for investments¹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¹Net SA savings withdrawn under CPF Investment Scheme for investments that have not been completely disposed of.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 the cash balance in my Investment Account be transferred under the division of CPF savings in a divorce?

Related questions

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

Under a transfer order, can I request the monies to be paid to me in cash, instead of transferring to my CPF account?

What rules and responsibilities apply to my ex-spouse when my CPF investments are transferred to them as part of our divorce settlement?

What are the criteria to be fulfilled by my ex-spouse before my investments can be transferred to them under the division of CPF savings in a divorce? What are the options if my ex-spouse cannot fulfill the criteria?