What is the difference between topping up CPF (RSTU) vs SRS?

CPF RSTU top-ups earn a guaranteed 4.0% interest and become part of your CPF Life retirement sum with no investment management required. SRS gives immediate tax relief but sits as cash (0.05%) until you choose how to invest it, with flexible withdrawal options from statutory retirement age.

How does tax relief on voluntary CPF top-ups work?

Cash top-ups reduce your taxable chargeable income dollar-for-dollar for that Year of Assessment. If you are in the 15% marginal tax bracket and top up $8,000 to your SA, you save $1,200 in income tax immediately.

Interactive Calculator

Voluntary CPF & SRS Top-Up Estimator

🔒Private

Calculate instant IRAS tax relief savings, multi-account allocation strategies (RSTU Self & Parents, MediSave, SRS), and 4.08%+ guaranteed wealth compounding.

Singapore Tax Relief & Guaranteed Wealth Compounding

Voluntary CPF & SRS Top-Up Tax Savings Estimator

Calculate instant IRAS income tax savings, multi-account tax relief optimization (RSTU Self & Parents, MediSave, SRS), and risk-free 4.08%+ long-term compounding growth.

Select Benchmark Strategy Profile:

Personal Tax & Income Setup

Adjust annual income, age, and residency status to determine tax relief thresholds.

Residency Status

Current Age38 years old

21ySA Account (4.08%)75y

Annual Taxable Income11.5% Marginal

$/yr

Time Horizon (Compounding)15 Years

1 YearAge 53 Target30 Years

Annual Tax Relief & Compounding Harvest11.5% Marginal Tax Rate

$3,599IRAS Tax Saved / Yr

By topping up $31,300 across your selected accounts, you secure $31,300 in tax deductions. Your effective annual outlay is only $27,701.

Annual Top-Up

$31,300

gross cash outlay

Net Out-Of-Pocket

$27,701

after $3,599 tax back

Future Fund Value

$697,147

15y compounding

Total Value Creation Breakdown (15 Years)+81% Overall Net Return

Outlay

Tax Savings

Yield

Net Cash Outlay: $415,508IRAS Tax Rebates: $53,992Compounded Interest/Yield: $227,647

Choose Top-Up Allocation Scheme

Select single account focus or full multi-account strategy.

RSTU Self (SA/RA)Cap: $8k

RSTU Loved OnesCap: $8k

SRS AccountCap: $15,300

SRS Portfolio Yield5.5% p.a.

Wealth Compounding Trajectory

Compares Net Cash Outlay vs. Total Accumulated Fund

Total Accumulated Fund ($697,147)

Net Cash Out of Pocket ($415,508)

Clear Answers

Frequently Asked Questions

No. Cash top-ups made under the Retirement Sum Topping-Up (RSTU) scheme are strictly irreversible and locked in to boost your monthly retirement payouts under CPF Life starting at age 65.