SRS top up , should we top up for tax relief?

It depends on your objective, if you are purely looking at tax relief alone, or also including retirement into your consideration.

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Unlike CPF Retirement Sum Topping-Up Scheme which gives you tax relief + interest + retirement improvement, SRS primarily only give you tax relief and insignifcant interest. So topping up might make sense if you are planning to invest with the SRS for retirement + the tax relief contributes significantly to you.

Usually only makes sense once your annual chargeable income clears the 100k mark. Prior to that bracket the relief isn’t significantly proportionate.