The Enhanced Retirement Sum (ERS) in 2025 is $426,000. This is the maximum amount that members aged 55 and above can top up their Retirement Accounts (RA) to in 2025. From 1 January 2025, the ERS amount is double the current year’s Full Retirement Sum (FRS)  and provides members the option to top up more for higher payouts. 

 

The ERS amount is not dependent on your age or the year you turn 55 years old. It increases yearly on 1 January. Here are the ERS amounts for 2025 to 2027.

 

Year	2025	2026	2027
Enhanced Retirement Sum	$426,000	$440,800	$456,400

 

You can top up more to your RA every year when the ERS increases. To illustrate, a member aged 55 and above in 2025 would be able to top up to $426,000. In 2026, when the ERS is increased to $440,800 the member will be able to top up a further $14,800 (i.e. $440,800 - $426,000). 

 

You can top up your RA with cash or your Ordinary Account (OA) savings. Topping up your RA allows you to receive higher monthly payouts in retirement. This allows members to get higher CPF LIFE monthly payouts through CPF top-ups. For example, a member who is 55 in the current year could receive up to $3,300 monthly for life when they turn 65. Learn more about the payouts you can receive if you top up to the ERS.

 

You may check the maximum amount you can top up on your Retirement Dashboard.