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Bitrix24 CPF cash top-up · tax relief · before 31 December
CPF top-up tax relief calculator — top up before 31 December, see the tax you save
Short answer. Your income and what you plan to put into CPF for yourself and your parents: you get the relief, the tax with and without it, and a monthly plan until 31 December. Relief for your own top-ups: up to S$8,000 a year for cash top-ups to your own Special/Retirement Account — shared with cash top-ups to your MediSave (IRAS, CPF Cash Top-up Relief).
- Decide the amounts and who you top up for — about two months beforetype the date
- Make the last top-up early — a few days before the year endstype the date
Check your own case.
Planning suggestions. Top-ups made in 2026 get relief in Year of Assessment 2027 (IRAS).
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CPF cash top-up · tax relief · YA 2027
Top up your CPF before 31 December — and see the tax you save next year
Your income and what you plan to top up for yourself and your family. You get the relief, the tax with and without it, and how much to put aside each month until 31 December.
Want a reminder on each deposit day — and before 31 December?
The calendar file works without an account. The reminder needs a free account to know where to send it.- Top up through the CPF website or app (cash top-up to SA/RA/MediSave) — and keep the receipt.
- Top-ups made by 31 December 2026 count for YA 2027; IRAS applies the relief automatically from CPF records.
- Topping up for parents or grandparents: check they qualify on the IRAS page (and, for spouse or siblings, the income test).
IRAS «CPF Cash Top-up Relief» (updated 7 August 2026): up to S$8,000 for cash top-ups to your own accounts (shared with MediSave top-ups) and up to S$8,000 for family members; contributions made in 2026 get relief in YA 2027; top-ups that attract Matched Retirement Savings Scheme grants do not qualify; the S$80,000 cap applies to all personal reliefs together. Tax: resident rates from YA 2024 (IRAS «Individual Income Tax rates», updated 27 April 2026), before rebates. An estimate, not tax advice.
Lida, Layers template assistant
Tell me your income and the top-ups you plan — I will show you the tax you save.
The plan below splits it into monthly amounts until 31 December.
Deadlines
The rules, with the source
| What | Deadline | Source |
|---|---|---|
| Relief for your own top-ups | Up to S$8,000 a year for cash top-ups to your own Special/Retirement Account — shared with cash top-ups to your MediSave | IRAS, CPF Cash Top-up Relief |
| Relief for family top-ups | A separate S$8,000 a year, in total for all family members: parents, grandparents (and in-laws); spouse and siblings with an income test or with disability | IRAS, CPF Cash Top-up Relief |
| Which year | Top-ups made in 2026 get relief in Year of Assessment 2027 | IRAS, CPF Cash Top-up Relief (FAQ) |
| Not covered | Cash top-ups that attract Matched Retirement Savings Scheme grants; transfers from your own CPF accounts | IRAS, CPF Cash Top-up Relief |
| Overall cap | All personal reliefs together are capped at S$80,000 a year | IRAS, CPF Cash Top-up Relief |
| Tax | Resident rates from YA 2024: 0 % on the first S$20,000, then 2 %, 3.5 %, 7 %, 11.5 % … up to 24 % | IRAS, Individual Income Tax rates |
Checked on the IRAS pages (updated 7 August 2026 and 27 April 2026). The calculator uses the resident rates before rebates; your Notice of Assessment is final.
Step by step
What to do, in order
1
Put in your income
Chargeable income after your other reliefs — from last year’s Notice of Assessment or your estimate.
2
Choose the top-ups
For yourself (SA/RA or MediSave) and for parents or grandparents.
3
See the tax you save
The calculator shows the relief and the tax with and without it.
4
Put aside every month
Same day every month until 31 December — the table shows each amount.
5
Top up through CPF
On the CPF website or app; keep the receipt — IRAS takes the relief from CPF records.
Questions
How much CPF top-up gets tax relief?
Up to S$8,000 for your own top-ups (MediSave top-ups share this cap) and up to S$8,000 for family members, so up to S$16,000 a year (IRAS).
When do I have to top up?
Top-ups made in 2026 get relief in YA 2027 — so make them before the year ends.
Can I top up for my spouse?
Yes, if your spouse meets the income test (or has a disability) — IRAS lists the conditions.
Official sources
Other documents
Keep the papers in one place
Letters, receipts and notices in one folder you can share with family or a lawyer. The templates and the editor are free; Layers is free for up to 20 people.
This is an estimate and a plan, not tax advice.