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Below age 55	Current Full Retirement Sum – Special Account (SA) savings – Amount withdrawn from SA for investments¹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¹Net SA savings withdrawn under CPF Investment Scheme for investments that have not been completely disposed of.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

Why is the amount deducted from my CPF account(s) for the refund less than the excess CPF contributions made for the year?

Related questions

Why is the refunded amount less than the excess CPF contributions made for the year?

Why is the amount refunded for excess CPF contributions less than the total excess CPF contributions made to the platform worker for the year?

Why is the amount refunded to me by my employer less than the amount deducted from my CPF account(s) for the refund of excess CPF contributions?

How are the excess CPF contributions derived and from which month of my employee's CPF contributions be refunded?