Making Voluntary Contributions

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More members are topping up for themselves and their loved ones to boost retirement adequacy

No. of members making top-ups has more than doubled since 2020

Number of CPF top-ups by top 3 relationships with giver


  1. Based on unique givers, if a member tops up for himself and someone else, he will only be counted as a giver once.
  2. Launched in 2021, the Matched Retirement Sum Scheme aims to help senior Singapore citizens with lower retirement savings by matching every dollar of cash top-ups made to the retirement account of eligible members of up to $600 per year. 

Total amount of retirement sum top-ups rose 60% from 2020 to 2022

Amount of retirement sum top-ups

Breakdown of top-ups by giver's relationship

(For multiple recipients, counted once in each relationship category)


Number of CPF top-ups by relationship with giver

Strong support for seniors via CPF top-ups from loved ones

CPF top-ups received by seniors (age 55 and above) from loved ones

Amount of CPF top-ups received by seniors from loved ones

Most CPF top-ups to seniors were from their children or spouse

Amount of CPF top-ups, by giver (2020-2022)

Proportion of CPF top-up amounts made to seniors by relationship with giver