The CPF Minimum Sum Topping-Up Scheme allows you to help top up the Retirement Accounts (RAs) of your loved ones who are aged 55 and above. By making a top-up to your spouse's, siblings', parents' or grandparents' RAs, you can help them enjoy a more secure retirement.

From 1 January 2008, the CPF Minimum Sum Topping-Up Scheme has been liberalised to allow top-ups to the Special Accounts (SAs) of your spouse or sibling(s) who are below age 55. Therefore, you can now help your loved ones build up their retirement savings earlier.

You may use your CPF savings or cash to top up the SAs or RAs of your loved ones.

To top up using CPF, your net balances in your Ordinary and Special Accounts, including amount withdrawn for investments, must be more than 1.5 times the prevailing Minimum Sum of $106,000. The balance in your Ordinary Account can be used for the top-up.

Cash top-ups to spouse's, siblings', parents' or grandparents' RAs will enjoy a tax relief of up to $7,000 per calendar year. Depending on your income, this could reduce your income tax payable.

Click here for the Retirement Account Topping-Up application form

Click here for the Special Account Topping-Up application form

Read more about the CPF Minimum Sum Topping-Up Scheme