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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.

Learn more
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 there is no tax relief for top-ups to all three CPF accounts.

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.

 

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

 

e-Cashier
Reminder

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

FAQs

Common questions