- The MRSS provides a dollar-for-dollar government matching grant of up to S$2,000 per year on cash top-ups to your CPF Retirement Account (RA) or Special Account (SA), subject to a S$20,000 lifetime cap. From 1 January 2026, the scheme has expanded to include verified Singaporeans with disabilities of all ages—not only seniors aged 55 and above.
- No application is required - CPF Board assesses eligibility automatically each year and notifies eligible members. To receive the grant, a qualifying cash top-up must be made by 31 December of the eligible year.
- Top-ups attracting the MRSS grant do not qualify for income tax relief—but the 100% immediate matching return makes this a favourable trade-off for most eligible members. Members eligible for both the MRSS and the new Matched MediSave Scheme (MMSS) may receive up to S$3,000 in total government matching grants per year.
Singapore's Central Provident Fund (CPF) system is one of the most comprehensive retirement frameworks in the world, and it continues to evolve....
