CPFB | Top up Ordinary, Special and MediSave savings

Saving more with CPF

Top up to your 3 CPF accounts to build your savings

Build up your CPF savings by making voluntary contributions to all your 3 CPF accounts (Ordinary Account, Special Account or Retirement Account, MediSave Account).

Notice

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Benefits

Why make top-ups to your 3 CPF accounts?

Grow your CPF savings

Making regular top-ups help build CPF savings for your retirement, housing and healthcare needs. The earlier you start, the more savings you can build.

Tax relief for self-employed persons

You can qualify for tax relief based on your assessable net trade income for the year.

Things to note

Things to note when making top-ups to your 3 CPF accounts

Eligibility

To make cash top-ups to yourself or on another person's behalf, you must be:

A Singapore Citizen or Permanent Resident
Aged 16 or older

Refer to the table below to check your eligibility for tax relief.

Table with Wider First Column

	Top-up to self		Top-up to Others
Scenarios	(1) You are not a self-employed person.	(2) You are a self-employed person.	(3) You are the Giver.	(4) You are the Recipient.
Eligibility for tax relief	Not eligible.	Only self-employed persons with accessible net trade income for the year of assessment will be eligible.	Not eligible.	Only self-employed persons with accessible net trade income for the year of assessment will be eligible.

Top-up limits

Top-ups cannot exceed the CPF Annual Limit of $37,740, which includes your mandatory CPF contributions for the calendar year. Top-ups in excess of the recipient’s Annual Limit will be refunded in the following year.

Before topping up, project your expected mandatory contributions for the rest of the year and consider if these will crowd out the voluntary top-ups made to your 3 CPF accounts, resulting in excess contributions.

When you make a cash top-up online, you will be shown the amount of top-up you can receive before you reach the top-up limit.

If you are making a top-up on another person’s behalf, please check with your recipient directly on the amount he can receive.

If you are self-employed

To make top-ups to yourself or on another person’s behalf, you must make your MediSave contributions in full or be on GIRO monthly deductions under the Self-Employed Scheme.

Top-ups allocated to your MediSave Account cannot be used to offset your MediSave payable (if any) and cannot be used to meet your MediSave requirement for Workfare as a self-employed person.

For details, read more about the Self-Employed Scheme.

Top-ups are irreversible

Cash top-ups to your 3 CPF accounts are irreversible.

You can find out more on which voluntary top-up is applicable to you before you make a top-up.

Payment

How to make a cash top-up

Use PayNow

Top up to your 3 CPF accounts (Ordinary Account, Special Account or Retirement Account, MediSave Account) today.

Make a top-up now

Reminder

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

FAQs

Common questions

Can I voluntarily top-up to my Ordinary Account only?

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