By MoneyBees
Check if you qualify for the Matched Retirement Savings Scheme in 2026 and work out the grant on your cash top-up, up to S$2,000 a year and S$20,000 in a lifetime.
Excluding interest, plus any CPF LIFE premium and retirement withdrawals.
CPF uses last year's records.
On your property tax bill or myTax Portal.
Matching grant
$2,000
into your Retirement Account by end Feb 2027
Total added to CPF
$4,000
your top-up plus the grant
Lifetime grant left
$18,000
of $20,000
The $2,000 you top up for the grant gets no tax relief.
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| Rule | Limit |
|---|---|
| Grant on each dollar of cash top-up | S$1 |
| Most grant a year | $2,000 |
| Most grant in a lifetime | $20,000 |
| RA savings (OA and SA below 55) | below S$110,200 |
| Average monthly income | up to S$4,000 |
| Annual Value of home | up to S$21,000 |
| Properties owned | at most 1 |
S$110,200 is the 2026 Basic Retirement Sum. Source: CPF Board.
Your mother is 60, has S$80,000 in her RA, earns S$2,500 a month and lives in a flat with an Annual Value of S$14,000. She qualifies.
You top up S$2,000 in 2026. CPF adds S$2,000 by end February 2027, so her RA grows by S$4,000. She has S$18,000 of lifetime grant left, nine more years at the full amount.
From 2025 the yearly grant rose from S$600 to S$2,000, a S$20,000 lifetime cap was added and the upper age limit of 70 was removed. From 2026 Singaporeans with disabilities of any age qualify; below 55 their grant goes to the Special Account.
Figures checked 3 Oct 2026.
A CPF scheme where the government matches cash top-ups to a member's Retirement Account dollar for dollar, up to S$2,000 a year and S$20,000 in a lifetime. It helps seniors with lower savings.
Singapore Citizens aged 55 and above with RA savings below S$110,200, average monthly income up to S$4,000, a home with an Annual Value up to S$21,000 and at most one property. From 2026, Singaporeans with disabilities of any age also qualify.
No. The limit of 70 was removed from 2025, so members above 70 can get the grant if they meet the other conditions.
S$1 for every S$1 of cash top-up, up to S$2,000 a year. A S$600 top-up earns S$600 and a S$2,000 top-up earns S$2,000. The lifetime cap is S$20,000.
No. CPF checks eligibility every year from the previous year's data and tells eligible members by end February. Anyone can then top up the member's account.
Generally by end February of the following year, into the Retirement Account, or the Special Account for members below 55. Top up by PayNow by 31 December, or set up GIRO by 31 October.
Not on the part that attracts the grant. Top-ups above the S$2,000 matched each year may still qualify for CPF cash top-up relief of up to S$8,000.
The grant is retirement savings in the RA, so it raises the member's CPF LIFE payouts. A member whose RA savings reach S$110,200 stops qualifying in later years.
These calculators provide general estimates for educational purposes only and are not personalised financial advice. Results may rely on rates and rules that change over time, so verify against official sources (IRAS, CPF Board, HDB, MAS) or consult a licensed financial adviser before making decisions.
Junxiong-WFG Organisation is an authorised representative of AIA Financial Advisers Private Limited (Reg. No. 201715016G).