27 Jan 2026

SOURCE: CPF Board

The Matched Retirement Savings Scheme (MRSS) and Matched MediSave Scheme (MMSS) allow eligible members to receive dollar-for-dollar matching grants from the Government when cash top-ups are made to their retirement savings (Special or Retirement Account) or MediSave Account, respectively. The cash top-ups can be made by anyone, such as members themselves or their loved ones.

This effectively doubles the CPF top-ups made, giving them a boost to meet their retirement and healthcare needs.

MRSS helps CPF members aged 55 and above who have lower retirement savings save more by matching the cash top-ups made to their Retirement Accounts (RA).

The matching grant is capped at $2,000 per year, with a $20,000 cap over an eligible member’s lifetime.

From 1 Jan 2026, the MRSS will be expanded to include eligible Singaporeans with disabilities of all ages so that they can benefit from the compounding effect of CPF interest over a longer period of time.

If you or your loved ones are eligible for MRSS, the MRSS matching grant and compounding interest received can help give a boost to their retirement savings.

By taking full advantage of the scheme, with an annual $2,000 top-up from age 55 to 65, you or your loved one’s RA would grow by $48,000. This would translate into a $260 increase in monthly payouts from the CPF LIFE standard plan. 

Eligible persons with disabilities who can participate in the scheme earlier can benefit even more. By topping up $2,000 annually from age 25, their retirement savings would grow by $110,000 by age 65 from compound interest, which translates to about a $800 increase in monthly payouts.

You or your loved ones are eligible for MRSS if you meet all of the following criteria:

Eligible members will be notified by the Board and can also check the status via their personalised Retirement Dashboard under the "Matching grant for cash top-ups" section.

Notes:

*RA savings refer to the cash set aside in the RA (excluding interest earned), plus retirement withdrawals and CPF LIFE premium deducted. If you or your loved ones are below age 55 or turning 55 in the assessment year and the RA has not been created yet, the total SA and OA savings will be assessed instead.

^{^}Current Basic Retirement Sum for 2026. Assessment is as of 31 December of the assessment year.

Making a top-up to your loved one’s Special or Retirement Account is simple and you can choose to make a one-off top-up or set up a standing instruction to make small and regular cash top-ups via GIRO. The same applies if you are considering a top-up for yourself too. 

Visit these step-by-step guides to get started.

Similar to MRSS, the Matched MediSave Scheme (MMSS) provides a dollar-for-dollar matching grant.

However, while MRSS applies to retirement savings, MMSS is meant to help individuals with lower savings in their MediSave Account (MA) save more for their healthcare needs. This is a pilot scheme introduced from 2026 to complement MRSS.

If you or your loved ones are eligible for MMSS, cash top-ups made to the MA will receive a matching grant of up to $1,000 per year. These funds can be used for healthcare expenses such as approved healthcare insurance premiums (e.g. MediShield Life and CareShield Life) and approved medical treatments.

If you or your loved ones are eligible for MMSS, the dollar-for-dollar matching grant can grow your or your loved one’s MediSave savings by up to $11,000 from $1,000 top-up per year over five years.

This helps to strengthen you or your loved one’s healthcare safety net and ensures better preparation for future medical needs.

Eligible members will be notified by the Board in early 2026. You or your loved ones are eligible for MMSS if you meet all of the following criteria:

You can make a top-up to your MediSave Account or those of your loved ones by visiting the top-up MediSave Account page.

Similar to MRSS, cash top-ups that qualify for the MMSS grant are not eligible for tax relief.

If you or your loved ones are eligible for both MRSS and MMSS, consider financial priorities and health outlook.

For those in good health seeking to increase retirement income, MRSS would help provide higher monthly payouts during retirement years.

On the other hand, if there are ongoing health concerns or anticipated medical expenses, MMSS could offer more immediate value since Medisave savings can be used to cover approved medical treatments and insurance premiums.

For some, a balanced approach works best. There's no need to choose one scheme exclusively. Consider splitting cash top-ups between both accounts based on individual circumstances.

Both MRSS and MMSS work together to strengthen support for you and your loved ones’ retirement and healthcare needs. While MRSS helps to build a stronger financial foundation for retirement years, MMSS ensures adequate healthcare savings to cover healthcare costs with age.

Every top-up counts, no matter how small. With the Government's matching grants and compounding CPF interest, your top-ups will help you or your loved ones’ CPF savings grow steadily. Starting early, even with modest amounts, can make a meaningful difference to you or your loved ones’ CPF savings.

Information in this article is accurate as at the date of publication.