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Below age 55	Current Full Retirement Sum – Special Account (SA) savings – Amount withdrawn from SA for investments¹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¹Net SA savings withdrawn under CPF Investment Scheme for investments that have not been completely disposed of.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 request to retain the non-withdrawable Ordinary Account savings in the CPF accounts and not annuitise and stream them out as CPF LIFE monthly payouts?

Related questions

Why is there a need to annuitise the non-withdrawable Ordinary Account savings as CPF LIFE monthly payout?

How will the annuitisation of the non-withdrawable Ordinary Account (OA) savings as CPF LIFE monthly payout affect my eligibility to withdraw or service the housing commitments that are financed by my OA savings?

Can I choose to retain my Ordinary Account savings instead of automatically disbursing them as payouts when my Retirement Account is depleted?

How much will my CPF LIFE monthly payouts increase after my non-withdrawable Ordinary Account savings are annuitised?