Growing Your Savings

Top up your 3 CPF accounts

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To make a top-up to your Special Account (SA) or Retirement Account (RA) only, or for matching grants to your SA/RA, please visit Cash top-ups and CPF transfers for retirement.

Build up your CPF savings for your retirement, housing and healthcare needs. 

Use this form to make cash top-ups to your Ordinary Account, Special Account or Retirement Account,  and MediSave Account. You can also make top-ups on another person’s behalf. 

Top-ups are irreversible. 

CPF top-ups to your 3 accounts are not eligible for tax relief unless you are a self-employed person.

Please refer to this FAQ for more information on the tax relief eligibility of contributions by self-employed persons.

It is an offence to make any false statement for any purpose connected with the Central Provident Fund Act.

Important notes

  • For self-employed persons, amounts allocated to your MediSave Account from top-ups made via this form will be used to offset your MediSave payable  and meet the MediSave requirement for Workfare Income Supplement.
  • For self-employed persons,  or platform workers who did not opt in to increased CPF contributions, your voluntary top-ups may be eligible for tax relief. Please refer to this FAQ for more information on the tax relief eligibility of your contributions.
  • For platform workers who are mandated or opted in to increased CPF contributions, you will receive tax relief on voluntary top-ups made from 2025 to 2028.
  • If you are an undischarged bankrupt, you must obtain approval from the Official Assignee before using this form.

To complete this form, you will need:

  • Your recipient's NRIC number.
  • Your banking app, payment app, or authentication token.

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