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Below age 55	Current Full Retirement Sum – Special Account (SA) savings – Amount withdrawn from SA for investments¹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¹Net SA savings withdrawn under CPF Investment Scheme for investments that have not been completely disposed of.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 interest and penalty be waived if I partially paid my outstanding premiums before the deadline in Inland Revenue Authority of Singapore's (IRAS) notice?

Related questions

Will interests and penalties be imposed or waived if I made partial payment for my outstanding premiums before the deadline in IRAS' notice?

Will interests and penalties be imposed on my outstanding premiums if my GIRO application was submitted before the deadline on Inland Revenue Authority of Singapore's (IRAS) notice?

Why have I received a notice from the Inland Revenue Authority of Singapore (IRAS) informing me that I owe MediShield Life and/or CareShield Life premiums?

Why is Inland Revenue Authority of Singapore (IRAS) allowed to recover unpaid taxes/ MediShield Life premiums when I withdraw my CPF savings?