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CPF empowers you to secure your life goals. Save for retirement, home ownership, and healthcare protection.

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For greater peace of mind in your golden years, CPF provides you with a strong foundation for retirement by helping you save for your retirement income, home ownership and healthcare needs.

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Learn how CPF can give you peace of mind to manage your basic healthcare sum and meet the costs of your healthcare needs.

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Throughout your working life and in retirement, you can easily access your CPF account information using Singpass. To better manage your CPF savings, keep up with the latest news by having your contact details updated and subscribe to our email notifications.

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Updates on 20 Apr 2021

Added new section for home page under banner.

About MRSS

Matched Retirement Savings Scheme

Launched in 2021, MRSS aims to help senior Singapore Citizens, who have not reached their BRS, build their retirement savings. This will boost their monthly payouts in retirement. MRSS will first run for five years during which, the Government will match every dollar of cash top-ups made to the RA of eligible members up to $600 per year. This would amount to a maximum of $3,000 over five years.

Benefits

How MRSS benefits you

Dollar for dollar matching grant

You’ll get a dollar for dollar matching grant from the Government for any top-ups received in your RA if you’re eligible for MRSS, up to an annual cap of $600.

Attractive interest rates

Your cash top-up and matching grant from the Government in your RA will earn attractive CPF interest rates of up to 6% per annum. This means you get to enjoy higher payouts in retirement.

Tax relief

If you make a cash top-up to yourself and to eligible members, you’ll also qualify for tax relief of up to $14,000 per calendar year.

 

If you’re an employer who would like to make cash top-ups for your employees, you’ll also qualify for tax deductions as an employer.

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Eligibility

Who is eligible?

Eligibility assessment

Your eligibility is automatically assessed every year. The CPF Board will notify you at the beginning of each year if you qualify and you can also check your eligibility via the website. As long as you’re eligible and you receive a cash top-up, you’ll receive the matching grant by the following year.

Find out if you’re eligible

To check if you’re eligible, log in with your Singpass and check “My Messages”.

Check eligibility
Eligibility checker

You can also find further details on whether you’re eligible with our eligibility checker.

Check eligibility
Eligibility criteria
  • Age 55 to 70 (both inclusive)
  • Retirement Account savings is less than the current BRS 
  • Average monthly income is not more than $4,000. This covers a majority of senior workers
  • Annual value of residence is not more than $13,000. This covers most HDB flats
  • Own not more than one property
Who can make cash top-ups

Anyone such as yourself, your loved ones, employers or members of the community, can make cash top-ups to eligible members.

Note: The BRS limit for 2021 is $93,000.

Getting a grant

How to receive the grant

Make top-ups to receive the grant

Top up to your RA

Simply make cash top-ups to your RA anytime within the year. The matching grant of up to $600 a year will be automatically credited into your RA at the beginning of the following year.

Quick tip

You don’t have to make a lump sum cash top-up. Instead, make smaller top-ups whenever you can. For example, if you top up $50 per month for an entire year, you’ll be able to qualify by the end of the year to get the maximum $600 matching grant.

Top up with myCPF mobile app

You can top-up via the myCPF mobile app. Simply follow the step-by-step guide.

Top up via the app (PDF, 0.3MB)
Top up via my cpf Online Services

Topping up online is fast and convenient. Simply log in to our website with your Singpass.

Top up online
Top up with GIRO

You can make small and regular monthly top-ups with GIRO.

Top up with GIRO (PDF, 1.6MB)
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