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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Will my top-ups be refunded to me if the recipient passes away?

Cash top-ups made on or after 1 Nov 2008

Cash top-ups will be treated as cash gifts to the recipient. Any remaining cash top-up(s) will be paid to the recipient's nominees based on his or her CPF nomination.

Cash top-ups made before 1 Nov 2008

The remaining top-up monies will be returned to the giver's Ordinary Account (OA), capped at the principal top-up amount. If the giver has already passed away, the top-up monies will be paid to the giver's nominees based on his or her CPF nomination.

CPF transfers

Any remaining transferred monies will be returned to the givers' originating CPF account(s), capped at the principal top-up amount. If the giver has already passed away, the transferred monies will be paid to the giver's nominees based on his or her CPF nomination.

Simplified rule on the disbursement of unused top-ups from 1 April 2022

To simplify rules for members, we are standardising the treatment of all top-ups (cash and CPF transfers). All top-ups will be treated as gifts to recipients. From 1 April 2022, when the recipient passes away, any unused top-ups will be treated as the deceased’s CPF monies and paid to his beneficiaries. Learn more about the simplified rule on the disbursement of unused top-ups.