Can I contribute more cash into CPF account if I hit the annual limit of S37740?

Nope, you can't voluntary cash top up anymore if you already hit the $37,740 annual limit.

Unless you are age 55 and under, and wants to top up your SA account under the Retirement Sum Topping Up scheme. But even so you can only top up your SA until the Full Retirement Sum (FRS).

As of the time of writing, the FRS is set at $186,000.

Cheers.

- Jeffrey (jeffreyleezq.com)

P/s: If my reply has helped you to understand more about CPF, you could do me a favour by indicating my name "JeffreyLeeZQ" when you submit any CPF applications online under the "Referrer Name" field, so that I can keep track of my paying-it-forward journey. You can find out more about what the CPF referrer name initiative is about here at CPF.

Hi anon,

It's not possible unfortunately. The annual limit is an absolute maximum that can be put into your CPF accounts.

The only exception is with SA. You may top up your CPF SA up to the FRS via RSTU, and the amount put into SA by this method is independent of what you contribute through regular means (work contributions, medisave top up, voluntary 3 account contribution).

Personally, I put $7K into SA for tax relief and also maximize the $37740/yr annual limit. So I actually deposit $44740/yr into CPF.