CPF digital services will not be available on 23 Jan 2022 from 2am to 5am (Singapore time) due to system maintenance. We apologise for any inconvenience caused.

Maintenance: CPF digital services at the website will not be available on 24 Dec 2021, from 9.30am to 11am (Singapore time) due to system maintenance. We apologise for any inconvenience caused. You may still access CPF digital services on CPF mobile app.

my cpf

View personal CPF information and transactions for retirement, home ownership, healthcare, and more.

CPF overview

CPF empowers you to secure your life goals. Save for retirement, home ownership, and healthcare protection.

Growing your savings

For greater peace of mind in your golden years, CPF provides you with a strong foundation for retirement by helping you save for your retirement income, home ownership and healthcare needs.

Retirement income

Build a strong foundation for your retirement and get more from what you save in your golden years.

Home ownership

Owning a home can be affordable. Take care of your mortgage repayment, while protecting your retirement nest egg.

Healthcare financing

Learn how CPF can give you peace of mind to manage your basic healthcare sum and meet the costs of your healthcare needs.

Account services

Throughout your working life and in retirement, you can easily access your CPF account information using Singpass. To better manage your CPF savings, keep up with the latest news by having your contact details updated and subscribe to our email notifications.

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What are the differences between topping up my retirement savings, making a Voluntary Housing Refund and topping up my MediSave Account?

Find out what are the differences between the various types of top-ups below:

Topping up your retirement savings

Voluntary Housing Refund

Topping up MediSave Account (MA)

Top up/refund to

- Special Account (SA) for members below 55; or

- Retirement Account (RA) for members 55 and above

- OA; and/or

- RA for members 55 and above and have not met their Full Retirement Sum (FRS) in their RA

- MA 


interest ratep.a.

- SA: 4%

- RA: 4%

- OA: 2.5%

- RA: 4%

- MA: 4%


Eligible for tax relief

Cash top-ups made to self or loved ones up to the current FRS are eligible for tax relief

Not eligible for tax relief

For non self-employed persons:

  • For voluntary top-up to MediSave Account, you get to enjoy tax relief.


You will also enjoy tax relief if you are topping up your CPF accounts voluntarily as a self-employed person. Find out more on IRAS website.

Limit to top up

What is the maximum amount of top-ups a member can receive?


If you are below 55, the maximum amount you can have in your SA is the current FRS.


If you are 55 and above, the maximum amount you can have in your RA is the current Enhanced Retirement Sum.


You can check your top-up limit in your Retirement Dashboard.


How much voluntary housing refund can I make?



You can make a refund of any amount, capped at the full principal amount you have withdrawn for the property, along with the accrued interest.


You may check the amount that you can refund through  the Home ownership dashboard.


Do note that after making a full voluntary housing refund of the CPF savings withdrawn and accrued interest, all CPF withdrawals including monthly housing loan instalments (if any) for the property will stop.

What is the voluntary top-up limit to my MediSave Account?




The maximum amount you can voluntarily top up to your MediSave Account is the difference between your Basic Healthcare Sum (BHS) and your current MediSave balance. Once your BHS has been reached, no further voluntary top-ups can be made to your MediSave Account. If you exceed your BHS from the top-up, the full amount of your top up will be refunded to you.


You can check your top-up limit with these steps.


Top-ups are meant to boost your retirement income. They will be streamed out to you as monthly payouts under CPF LIFE or Retirement Sum Scheme and cannot be used for other purposes.



You can continue to use your OA savings for the current or next property after making a voluntary housing refund.


However, if you would like to use your OA for the same property, after making a voluntary refund of the full principal amount used and the accrued interest, you will need to re-apply to use your CPF savings.


After turning 55 and setting aside the FRS, you can withdraw the remaining balance in your OA and SA in full or in part at any time.

From 55, you can make retirement withdrawals from your OA and SA in full or in part, at any time for your immediate needs, provided you have set aside your FRS.


MA savings are meant for your healthcare needs and cannot be withdrawn as cash.


Top-ups can be made using cash and/or CPF transfers.


How do I apply to make a top-up?


Refund can only be made via cash.


I am not selling my property. How can I make a voluntary refund of the housing amount withdrawn?

Top ups can only be made via cash.


How can I top up my, my children or my loved ones’ CPF Account(s)?