By MoneyBees
Work out your room under the S$37,740 CPF Annual Limit, how a top-up to all three accounts splits by age, and the tax relief you get, compared with an RSTU top-up.
A cash top-up to all three CPF accounts at once: Ordinary, Special (Retirement from 55) and MediSave. CPF also calls it a top-up to your 3 CPF accounts. You can make one as an employee or as a self-employed person.
Up to the CPF Annual Limit of S$37,740, which includes your mandatory contributions for the year. An employee aged 30 earning S$5,000 a month pays S$22,200 in mandatory CPF, so can top up S$15,540 more.
CPF refunds the excess in the following year. CPF suggests you project your mandatory contributions for the rest of the year first, since a bonus can use up the room you planned to fill.
CPF allocates contributions by age. At 35 and below, 21.62% goes to MediSave, 16.21% to the Special Account and the rest to the Ordinary Account. From 55 the Special Account share goes to the Retirement Account, up to the Full Retirement Sum.
Not as an employee. Self-employed persons get relief capped at the lowest of 37% of net trade income or S$37,740, each less relief on mandatory MediSave, or the amount paid. Employees who want relief can top up under RSTU or to MediSave instead.
RSTU puts cash only into your Special or Retirement Account, up to the Full Retirement Sum below 55 or the Enhanced Retirement Sum from 55. It gets up to S$8,000 of tax relief for yourself and S$8,000 for family. A top-up to all three accounts also reaches your Ordinary Account and MediSave.
MediSave holds up to the Basic Healthcare Sum, S$79,000 in 2026 for members below 65. The part of a contribution above it moves to your other CPF accounts automatically.
No. CPF does not allow voluntary top-ups solely to the Ordinary Account. A top-up to all three accounts is the way to add cash to your OA.
Junxiong-WFG Organisation is an authorised representative of AIA Financial Advisers Private Limited (Reg. No. 201715016G).