Does CPF's Annual Limit for voluntary top-ups (i.e. $37,740 cap) work on a 12-month rolling basis or does it reset at a certain time (e.g calendar or financial year)?

Hi there,

VC's into your CPF accounts, are concluded by the end of the calendar year for taxation purposes. It is better to do VC at the start of the year, as CPF interest is counted monthly and compounded in December.

So yes, you still can do a lump sum contribution although 3/4 of the year is gone! You should plan your contributions moving forward, so that you can get the most out of your CPF accounts!

Hope i was able to shed some insight!​​​

Don't worry VCs are on a calendar year basis, so even if you contribute on 31 Dec, you would be able to contribute again on 1 Jan next year!

Source: CPF Website​​​