CPFB | Support for lower-wage workers

Growing your savings

Boost your savings with Workfare Income Supplement

The Workfare Income Supplement (WIS) scheme encourages eligible workers to work and build up their CPF savings by providing them with cash payments and additional CPF contributions.

Updates on 20 Apr 2021

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Overview
Employee
Self-employed
Employer
Resources

Overview

Helping you save for the future

CPF top-ups that grow your savings for retirement, housing and healthcare, plus cash payments to supplement your income, are some of the financial support that you can tap on.

Changes to WIS scheme

In the 2019 budget, the Government announced changes to WIS that apply from 1 January 2020 onwards. You can view more details in the factsheet.

Learn more (PDF, 0.12MB)

Workfare Special Payment

As announced in the 2020 budget, all Singaporeans who received WIS payments for work done in 2019 or 2020 would receive the Workfare Special Payment (WSP).

Learn more

Employee

WIS for employees

If you’re an eligible employee, you’ll receive CPF top-ups to help you save for retirement, plus cash payments to supplement your income.

Eligibility

You qualify for WIS if you’re:

a Singapore Citizen
at least 35 years old as of 31 December of the work year, or have a disability
earn a gross monthly income¹ of up to $2,300 (previously $2,000) for the month worked²

¹Gross monthly income includes basic salary and extra wages such as overtime pay and bonuses.

²In addition, you must earn an average gross monthly income of not more than $2,300 (previously $2,000) in the past 12 months.

You’re not eligible for WIS if you:

live in a property with an annual value¹ of more than $13,000 (assessed on 31 December of the preceding year)
own two or more properties
are married, and you and your spouse own two or more properties together, or your spouse’s income for the preceding year of assessment exceeds $70,000.

¹Annual value is the estimated gross annual rent on a property, excluding furniture, furnishings and maintenance fees. It is determined based on estimated market rentals of similar or comparable properties.

Receiving WIS payments

How WIS payments are allocated

You’ll receive 40% of your WIS payment in cash and 60% in CPF contributions. We’ll credit the cash portion to your bank account or, if you don’t have one, send you a cheque. If you need to update your bank account details, you can do so after logging in to the Workfare portal.

Update bank details

Actions required

If you’re an employee who’s eligible for WIS, there’s no further action required

We’ll automatically assess your eligibility for WIS, based on the CPF contributions made by your employer.

If your employer is not contributing CPF on your behalf, you can lodge an online report on non-payment or under-payment of CPF contributions.

Your WIS payments

The table below shows the maximum WIS amount you can receive each year, based on your age group.

Age	Maximum annual WIS
Age	2019	From 2020
35* - 44	$1,500	$1,700
45 - 54	$2,200	$2,500
55 - 59	$2,900	$3,300
60 and above	$3,600	$4,000
*Including persons with disabilities who are below age 35

You can also use the online WIS calculator to estimate how much you’ll receive.

Calculate your WIS

Payment schedule

As an employee, you’ll receive WIS every month. The table below shows when you’ll receive the payments.

If you worked in	You’ll receive WIS payment by*
January	End-March
February	End-April
March	End-May
April	End-June
Month x	End of month (x+2)
*These payment dates are based on payment dates for bank crediting. Payment by cheque takes up to 2 weeks longer compared to bank crediting.

Self-employed

WIS for self-employed persons

If you’re an eligible self-employed person (SEP), you can get MediSave top-ups to help you save for your healthcare needs, plus cash payments to supplement your income.

Eligibility

You qualify for WIS if you’re:

a Singapore Citizen
at least 35 years old on 31 December of the work year, or have a disability
earn a gross monthly income of up to $2,300 (previously $2,000)
have declared your net trade income and made MediSave contributions.

You’re not eligible for WIS if you:

live in a property with an annual value¹ of more than $13,000 (assessed as of 31 December of the preceding year)
own two or more properties
are married and you and your spouse own two or more properties together, or your spouse’s income for the preceding year of assessment exceeds $70,000.

Receiving WIS payments

How WIS payments are allocated

You’ll receive 10% of your WIS payment in cash and 90% in your MediSave account. We’ll pay the cash portion into your bank account or, if you don’t have one, send you a cheque. If you need to update your bank account details, you can do so after logging into the Workfare portal.

Update bank details

Actions required

You’ll need to declare your income

To receive your payout, you’ll need to declare your income to:

the Inland Revenue Authority of Singapore (IRAS) if you’ve been issued an income tax return package, or
the CPF Board online or via hardcopy at any Singapore Post branch if you’ve not been issued an income tax return package.

Declare income

You’ll need to make the required MediSave contributions

Make sure you’ve made the required contributions into your MediSave account.

Quick tip

The earlier you declare your income and make the required MediSave contributions, the sooner you’ll receive your WIS.

Your WIS payments

The table below shows the maximum amount of WIS you can receive each year, based on your age group.

Age	Maximum annual WIS
Age	2019	From 2020
35*-44	$1,000	$1,133
45-54	$1,467	$1,667
55-59	$1,933	$2,200
60 and above	$2,400	$2,667
*Including persons with disabilities who are below 35

You can also use the online WIS calculator to estimate how much you’ll receive.

Calculate your WIS

When you’ll receive WIS payments

As an SEP, you’ll receive WIS payments once a year for work done in the preceding year.

If you declare your income and make the required MediSave contributions by the last Friday of March, you’ll receive your WIS payout at the end of April, based on payment dates for bank crediting. Payment by cheque takes up to two weeks longer than bank crediting.

Employer

What you need to know as an employer

Under the CPF Act, you must make CPF contributions if your employees earn more than $50 per month, regardless of whether an employee is engaged on a permanent, part-time, contract or casual basis.

We’ll automatically assess your employees’ eligibility for WIS based on the CPF contributions you make.

Find out more about your CPF obligations at the Ministry of Manpower (MOM) website on the Workright initiative.

Visit MOM

How WIS helps employers

WIS encourages Singaporeans to work, making it easier for you to hire and retain local workers.

WIS is fully paid for by the Government and doesn’t increase business costs for local enterprises.

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Growing your savings

Boost your savings with Workfare Income Supplement

Overview

Employee

Self-employed

Employer

Resources

Overview

Helping you save for the future

Employee

WIS for employees

Eligibility

Receiving WIS payments

Actions required

Self-employed

WIS for self-employed persons

Eligibility

Receiving WIS payments

Actions required

Quick tip

Employer

What you need to know as an employer

Resources

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