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Below age 55	Current Full Retirement Sum – Special Account (SA) savings – Amount withdrawn from SA for investments¹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¹Net SA savings withdrawn under CPF Investment Scheme for investments that have not been completely disposed of.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

If my health condition is such that I am offered a Home Protection Scheme cover with premium loading, is it compulsory to take up this cover?

Related questions

I am currently covered under the Home Protection Scheme (HPS) at standard premium rates. Will my premium increase after the introduction of premium loading?

What are the alternatives available if I am not eligible for a Home Protection Scheme cover?

Will I continue to be covered under the same premium rates for my existing Home Protection Scheme cover if I have developed new health condition(s) after my cover has been issued to me?

What will happen to my Home Protection Scheme cover if I do not pay the annual premium?