A Singapore Government Agency Website
Matched Retirement Savings Scheme eligibility

Find out if you are eligible via your Retirement Dashboard. We will also be notifying eligible members via email or post between January to February. If you are eligible and would like to make your cash top-up(s), please proceed using this form.

Dollar-to-dollar matching grant
Dollar-for-dollar matching grant
  • Eligible seniors and persons with disabilities can receive a matching grant of up to $2,000 per year, with a lifetime limit of $20,000
  • Save more with the matching grant and stable interest rates of up to 6%(1) per annum on retirement savings
  • Boost your monthly payouts

(1)Based on the current 4% interest rate floor on Retirement/Special Account monies.

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Eligibility
Who is eligible?
Eligibility criteria

There is no need to apply for the Matched Retirement Savings Scheme (MRSS). Your eligibility is automatically assessed every year.

 

We will notify eligible members via email or post at the beginning of the year.  Find out if you are eligible via your Retirement Dashboard. 

 

You will be eligible for MRSS for the year if you are a Singapore Citizen only, reside in Singapore and meet the following criteria(2).

 

Age
  • 55 or above as of 31st December of the year; or
  • Below age 55 with disability status verified with the Ministry of Social and Family Development (MSF).

Disability status verification with MSF is a one-time process.

Retirement Account (RA) Savings(3) / Ordinary and Special Account (OSA) Savings 

Less than $110,200(4).

Average Monthly Income

 Not more than $4,000.

Annual Value of Residence

Not more than $21,000.

Property Ownership

Own not more than one property.

 

(2)Previous year’s data is utilised to assess your eligibility as these are the latest data available.

(3)RA savings refers to the RA balances (excluding amounts such as interest earned), plus retirement withdrawals and CPF LIFE premium deducted. If you are below 55 in the assessment year and your RA has not been created at the time we assess your eligibility, your total Special Account and Ordinary Account savings will be used for the eligibility assessment instead.

(4)Basic Retirement Sum for 2026.

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Getting a grant
How do I receive the matching grant?

If you are eligible for MRSS and have received cash top-ups in your Retirement or Special Account, you will receive the matching grant. Simply ensure that your one-time top-up via PayNow is submitted by 31st December or your recurring top-up via GIRO is submitted by 31st October in the year of eligibility. You must be a Singapore Citizen only at the point of grant crediting. Please note that cash top-ups which attract the matching grant of up to $2,000 a year will not be eligible for tax relief. 

Who can make a cash top-up?

Anyone such as yourself, your loved ones, employers(5), caregivers, or members of the community, can make the cash top-ups. 

 

(5)We may share your MRSS eligibility status with your employer / platform operator who wish to make goodwill top-ups to your retirement savings to enable you to receive the MRSS matching grant from the Government. The information shared is limited to Yes/No on MRSS eligibility status. If you do not wish for CPFB to disclose your eligibility status to your employer/ platform operator, you can complete this form to opt out.

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How much do I have to top up?

You can top up any amount. You can choose to make a one-time top-up or regular small top-ups whenever you can. 

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For example:

  • Topping up $600 every year qualifies you for a $600 matching grant in the following year, increasing your RA savings by a total of $1,200.
  • Topping up $2,000 every year qualifies you for a $2,000 matching grant in the following year, increasing your RA savings by a total of $4,000.
Topping up
How to make cash top-ups?

Cash top-ups can be made via the following methods.

https://www.cpf.gov.sg/member/tools-and-services/forms-e-applications/cash-top-ups-and-cpf-transfers-for-retirement false
Make a one-time top-up Set a recurring top-up

For assistance, read our guides for top-ups on the website, or using the CPF Mobile app.

Grant crediting
Matching grant information

The matching grant will be automatically credited into your Retirement or Special Account at the beginning of the following year and you will be notified via email or post. You can also check your matching grant information via your Transaction History.

If your child is under 16 and does not have a Singpass to check his/her eligibility, find out how you can check on their behalf.

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For caregivers
Supporting Singaporeans with disabilities

As a caregiver of a person with disability, you can check your loved one's MRSS eligibility(6) and top up to their Retirement or Special Account (RA/SA) on their behalf. The matching grant will be automatically credited to their RA/SA at the beginning of the following year. You may view their MRSS eligibility and top-ups via their Retirement Dashboard.

(6)Parents of a child with disability below 21 can check their child's eligibility via the Child Dashboard. Simply log in to my cpf Home > Child Dashboard with your Singpass to access this information.

https://www.cpf.gov.sg/service/sub-categories?category=P_M_GYS&section=P_M_GYS_MRSS_RFCOPWD false

Caregivers with deputyship or donee powers may log in to their loved one's account via Singpass. If you require assistance to check MRSS eligibility for your loved one, please write to us.

MRSS FAQs for caregivers
More materials
Video

Check out this video (available in four languages) on how eligible Singapore Citizens can benefit from the Matched Retirement Savings Scheme.

Video is also available in Chinese, Malay and Tamil.

Matched Retirement Savings Scheme vs Matched MediSave Scheme

Find out more about the different ways to double top-ups to retirement and MediSave savings with matching grants:

2 ways to boost your CPF savings with matching grants
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