CPF Top-Up Calculator Singapore 2026
Calculate your tax savings and projected CPF SA/RA growth from voluntary cash top-ups under the Retirement Sum Topping-Up Scheme (RSTU). Get up to S$16,000 tax relief per year.
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yrs
Total Cash Top-Up$8,000
Tax Relief Claimed$8,000
Annual Tax Savings$560
Projected SA at Retirement (+25 yrs)$434,469
Additional Growth from Top-Up$354,494
Gap to FRS (S$213,000)$175,000
SA top-up tax relief is capped at S$8,000 for own account and S$8,000 for family members per year. Once SA reaches Full Retirement Sum (FRS), funds are transferred to Retirement Account at age 55. SA earns 4% p.a. (subject to change).
CPF SA vs RA Top-Up: Key Differences
| Feature | Below 55 (SA) | Age 55+ (RA) |
|---|---|---|
| Account | Special Account | Retirement Account |
| Interest Rate | 4% p.a. | 4% p.a. |
| Top-Up Limit | Up to FRS (~S$213K) | Up to ERS (~S$320K) |
| Tax Relief | Up to S$8,000/yr | Up to S$8,000/yr |
| Withdrawal | At age 55 (after meeting BRS) | Via CPF LIFE at 65 |