BetaWelcome to the new CPF website! As this is still a work in progress, some features are only available at the main CPF site. Try it and share your views with us!

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CPF overview

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

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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.

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CPF contributions
Saving more with CPF
Earning higher returns
Government support
Growing your savings

CPF contributions

Saving as an employee
Saving as a self-employed person
Growing your savings

Saving more with CPF

Top up to enjoy higher retirement payouts
Matching grant for seniors who top up
Top up your MediSave savings
Top up Ordinary, Special and MediSave savings
Make a voluntary housing refund
Growing your savings

Earning higher returns

Investing your CPF savings
Earning attractive interest
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Retirement income

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

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Monthly payouts
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Retirement income

Monthly payouts

CPF LIFE
Retirement Sum Scheme
Retirement income

Retirement withdrawals

Withdrawing for immediate retirement needs
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Home ownership

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

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Using your CPF to buy a home
Protecting against losing your home
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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.

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Using your MediSave savings
MediShield Life
Getting supplementary coverage
ElderShield
CareShield Life
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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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Your account information
Providing for your loved ones
Account closure
Account services

Your account information

Viewing your account balances
Updating your contact details
Updating your notification preferences
Account services

Providing for your loved ones

Making a CPF nomination
Insuring to protect your dependants
Account services

Account closure

Paying out CPF when you pass away
Closing your account when you leave Singapore

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Updates on 20 Apr 2021

Added new section for home page under banner.

Eligibility

Top up your three CPF accounts

If you’re a Singapore Citizen or Permanent Resident, you can top up your three CPF accounts. 

However, if you’re self-employed, please visit the Self-Employed Scheme page.

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Benefits

Why make top-ups to your three CPF accounts?

Making top-ups help to build CPF savings for your retirement, housing and healthcare needs. The earlier you start, the more savings you can build. Do note that top-ups to all three CPF accounts are non-tax deductible.

Things to note

Things to note when making top-ups to three CPF accounts

Top-up limit

Top-up limit to three CPF accounts

The maximum amount you can top up is the difference between the CPF Annual Limit of $37,740 and the mandatory CPF contributions made for the calendar year.

 

Do remember to consider your mandatory CPF contributions which you will be receiving for the calendar year, before making top-ups. If the total mandatory CPF contributions and top-ups exceed the CPF Annual Limit in the calendar year, any excess top-ups will be refunded without interest.

Check your top-up limit online

You can use our e-Cashier to check the amount of top-ups you can make.

Check your top-up limit
Follow the steps below
  • Key in your NRIC number
  • Select paying as a ‘Member’ and making payment for ‘Contribute to my three CPF Accounts (Non-tax deductible)’
  • Click ‘Next’
  • Read and accept the Terms and Conditions, and click ‘Start’
  • Click ‘Check Allowable Contribution’
  • Log in with your Singpass

You’ll see a message on the amount you can contribute.

Allocation rates

Allocation to the three CPF accounts

The allocation of your top-up will follow the allocation rates for mandatory CPF contributions.

 

You can use the CPF Contribution Allocation Calculator to find out how your top-up will be allocated.

Use calculator
Payment

Top up your three CPF accounts

Top-ups made are irreversible. Once you’re ready to top up your three CPF accounts, you can do so via the following channels.

Via CPF website

Log in to e-Cashier and pay via PayNow QR or eNETS.

 

Select paying as a ‘Member’ and making payment for ‘Contribute to my three CPF accounts (Non-tax deductible)’.

 

e-Cashier
Via GIRO (for monthly payments)

You can set up GIRO if you wish to make monthly top-ups. We’ll only deduct up to the allowable limit for the year.

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Reminder

Please ensure your top-up payments are within your payment limits with your bank.

FAQs

Common questions