CPF Matching Grant Checker (MRSS and Matched MediSave)
Check whether you qualify for the Matched Retirement Savings Scheme or the Matched MediSave Scheme, and how big a dollar-for-dollar matching grant a cash top-up would earn.
MRSS matches up to $2,000 a year and $20,000 for life. The MediSave scheme matches up to $1,000 a year.
MRSS is for 55 and above; the MediSave scheme is for ages 55 to 70.
Retirement Account savings (before interest), or Ordinary plus Special Account savings if you have no Retirement Account yet. Must be below the Basic Retirement Sum of $110,200 for 2026.
Must be $4,000 or less. CPF uses the previous year’s data.
Must be $21,000 or less.
You may own at most one property.
From you, your loved ones, an employer or others. Any amount.
Lifetime limit is $20,000 across all years.
Matching grant
You appear to meet the criteria.
MRSS grant room left for life: $18,800
Make a one-time PayNow top-up by 31 December, or set up a GIRO top-up by 31 October. The grant is credited by the end of February the next year.
Cash top-ups that attract a matching grant are not eligible for tax relief.
A self-check against CPF’s published criteria. CPF assesses you each year on the previous year’s data and notifies eligible members; check your Retirement or Healthcare Dashboard.
In-depth guide
CPF matching grants: MRSS and the Matched MediSave Scheme in 2026
Who qualifies for the dollar-for-dollar matching grants on cash top-ups to the Retirement, Special or MediSave Account, the yearly and lifetime limits, and the deadlines.
Key figures at a glance
The two schemes
| Matched Retirement Savings Scheme (MRSS) | Matched MediSave Scheme | |
|---|---|---|
| Top-ups matched | Cash top-ups to the Retirement or Special Account | Cash top-ups to the MediSave Account |
| Match | Dollar for dollar | Dollar for dollar |
| Limit | $2,000 a year, $20,000 for life | $1,000 a year |
| Age on 31 Dec | 55 or above, or below 55 with disability status verified by MSF | 55 to 70 |
| Savings | Retirement Account below the Basic Retirement Sum, $110,200 for 2026 (Ordinary plus Special Account if no Retirement Account yet) | MediSave below half the Basic Healthcare Sum |
| Average monthly income | $4,000 or less | $4,000 or less |
| Annual Value of residence | $21,000 or less | $21,000 or less |
| Properties | At most one | At most one |
| Citizenship | Singapore Citizen residing in Singapore | Singapore Citizen residing in Singapore |
A self-employed person also needs an active GIRO arrangement for MediSave payable, or to have settled it, for the Matched MediSave Scheme.
CPF assesses eligibility every year on the previous year’s data and notifies eligible members, generally by end February. There is no application.
Getting the grant
- MRSS: make a one-time PayNow top-up by 31 December or set up a GIRO top-up by 31 October. The grant is credited by the end of February the next year.
- Matched MediSave: top up any time in the year, up to your Basic Healthcare Sum. The grant is credited at the start of the next year.
- Anyone can top up for you: loved ones, employers, caregivers or community members.
- You must still be a Singapore Citizen when the grant is credited.
- Cash top-ups that attract a matching grant are not eligible for tax relief.
Examples
- Topping up $600 a year gives a $600 grant, adding $1,200 to the Retirement Account.
- Topping up $2,000 a year gives a $2,000 grant, adding $4,000.
- A $3,000 top-up under MRSS earns a $2,000 grant, the yearly cap.
Related tools
- CPF top-up tax relief calculator — relief on top-ups that do not get the grant.
- CPF retirement sum calculator — BRS, FRS and ERS.
- Silver Support checker — support for retirees.
Frequently asked questions
How much does MRSS match?
Dollar for dollar, up to $2,000 a year and $20,000 for life.
How much does the Matched MediSave Scheme match?
Dollar for dollar, up to $1,000 a year.
Who is eligible for MRSS?
Singapore Citizens residing in Singapore aged 55 or above (or younger with verified disability) with Retirement Account savings below $110,200, average monthly income of $4,000 or less, an Annual Value of $21,000 or less and at most one property.
Do I need to apply?
No. CPF assesses you every year and notifies eligible members, generally by end February.
When do I need to top up?
For MRSS, a one-time PayNow top-up by 31 December or a GIRO top-up set up by 31 October.
Sources
- CPF Board — Matching grant for retirement savings (MRSS) — Eligibility, limits and top-up deadlines (updated 10 Mar 2026).
- CPF Board — Matching grant for MediSave — Eligibility and limits (updated 30 Oct 2026).
This guide explains published rules in plain language. It is not financial, legal or official advice — rules change, so confirm with the agency linked above before you commit.