CPF Top-Up Tax Relief Calculator: Tax Saved on Cash Top-Ups
Salary, bonus and other taxable income for the year.
Special, Retirement or MediSave Account. Relief up to S$8,000.
All family members combined. Relief up to S$8,000.
Reliefs you already get
All reliefs together are capped at S$80,000 a year.
- Relief for your own top-upS$8,000
- Relief for family top-upsS$0
- Tax without top-up reliefS$5,489
- Tax with top-up reliefS$4,569
Tax you save in YA 2027
S$920
- Total relief
- S$8,000
- Tax saved per S$1 of relief
- 12 cents
CPF Board must receive the top-up by 31 December 2026. Relief is granted automatically; you do not claim it.
How much can this account take?
Relief only applies to top-ups up to the Full Retirement Sum (retirement accounts) or the Basic Healthcare Sum (MediSave), minus what is already there.
Check the CPF app. For the Special Account, include savings invested under CPFIS.
Room left that earns relief
S$70,400
- Relief you can still get on this account
- S$8,000
From 2025, members aged 55 and above top up their Retirement Account, not the Special Account. Transfers from your own CPF accounts get no relief, only cash top-ups do. Top-ups cannot be refunded and follow CPF withdrawal rules, so put in only what you are happy to set aside for retirement or healthcare.
How this works
CPF Cash Top-up Relief is given for cash top-ups under the Retirement Sum Topping-Up Scheme to your Special Account (under 55), Retirement Account (55 and above) or MediSave Account. You get up to S$8,000 of relief for top-ups to yourself and another S$8,000 for top-ups to family members, so up to S$16,000 per Year of Assessment. Top-ups made in 2026 count for YA 2027.
Family members who qualify are parents, parents-in-law and grandparents (no income test), and a spouse or sibling whose income in the previous year was S$8,000 or less (no income test if they have a disability). Only top-ups up to the Full Retirement Sum (S$220,400 for 2026 top-ups) or, for MediSave, the Basic Healthcare Sum (S$79,000) minus the existing balance earn relief.
We deduct the relief from your chargeable income and apply IRAS resident tax rates with and without it; the difference is your tax saved. All reliefs together are capped at S$80,000 a year. Top-ups that attract a Matched Retirement Savings Scheme grant (from YA 2026) or a Matched MediSave Scheme grant (from YA 2027) get no relief.
FAQs
How much tax relief do I get for a CPF top-up?
Up to S$8,000 for cash top-ups to your own CPF and up to S$8,000 for top-ups to family members, so S$16,000 in total per year. On S$120,000 of income, an S$8,000 self top-up saves about S$920 in tax for an employee under 55.
Does a MediSave top-up get tax relief?
Yes. Cash top-ups to MediSave count, but they share the same S$8,000 self and S$8,000 family limits as retirement top-ups, and only up to the Basic Healthcare Sum (S$79,000 for 2026) minus the existing balance.
When is the deadline for CPF top-up tax relief?
CPF Board must receive your cash top-up by 31 December 2026 for relief in YA 2027. Relief is granted automatically to your tax account, so you do not need to claim it.
Can I get tax relief for topping up my wife's CPF?
Only if her income in the previous year was S$8,000 or less, or she has a disability. Parents, parents-in-law and grandparents qualify without an income test.
Do MRSS-matched top-ups get tax relief?
No. From YA 2026, cash top-ups that attract the Matched Retirement Savings Scheme grant (up to S$2,000 a year) do not get CPF Cash Top-up Relief, and from YA 2027 the same applies to MediSave top-ups matched under the Matched MediSave Scheme.