# 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.

- Tool: [CPF Matching Grant Checker](https://toolsg.com/en/cpf-matching-grant-checker)
- Language: en (available: en, zh)
- Last verified against official sources: 2026-10-30
- Source site: ToolSG — a planning guide, not official or financial advice. Cite the agencies listed under Sources.

## Key figures at a glance

| Fact | Value | Source |
| --- | --- | --- |
| MRSS annual grant limit | $2,000 a year — Dollar-for-dollar match on cash top-ups to the Retirement or Special Account. | [CPF Board](https://www.cpf.gov.sg/member/growing-your-savings/government-support/matching-grant-for-retirement) |
| MRSS lifetime grant limit | $20,000 — Across all years. | [CPF Board](https://www.cpf.gov.sg/member/growing-your-savings/government-support/matching-grant-for-retirement) |
| Matched MediSave Scheme annual grant limit | $1,000 a year — Dollar-for-dollar match on cash top-ups to the MediSave Account. | [CPF Board](https://www.cpf.gov.sg/member/growing-your-savings/government-support/medisave-matching) |
| Average monthly income | $4,000 or less — Both schemes. | [CPF Board](https://www.cpf.gov.sg/member/growing-your-savings/government-support/matching-grant-for-retirement) |
| Annual Value of residence | $21,000 or less — Both schemes. | [CPF Board](https://www.cpf.gov.sg/member/growing-your-savings/government-support/matching-grant-for-retirement) |
| Retirement Account savings (MRSS) | Below $110,200 — The 2026 Basic Retirement Sum. | [CPF Board](https://www.cpf.gov.sg/member/growing-your-savings/government-support/matching-grant-for-retirement) |

## 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](https://toolsg.com/en/cpf-top-up-tax-relief-calculator) — relief on top-ups that do not get the grant.
- [CPF retirement sum calculator](https://toolsg.com/en/cpf-retirement-sum-calculator) — BRS, FRS and ERS.
- [Silver Support checker](https://toolsg.com/en/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)](https://www.cpf.gov.sg/member/growing-your-savings/government-support/matching-grant-for-retirement) — Eligibility, limits and top-up deadlines (updated 10 Mar 2026).
- [CPF Board — Matching grant for MediSave](https://www.cpf.gov.sg/member/growing-your-savings/government-support/medisave-matching) — Eligibility and limits (updated 30 Oct 2026).