# Silver Support Scheme: who gets it, how much, and how it is decided

> Who qualifies for Silver Support, the quarterly amounts by HDB flat type and household income per person, how property ownership and lifetime CPF contributions are tested, and why you do not need to apply.

- Tool: [Silver Support Checker](https://toolsg.com/en/silver-support-checker)
- Language: en (available: en, zh)
- Last verified against official sources: 2026-10-28
- 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 |
| --- | --- | --- |
| Age and citizenship | Singapore Citizens aged 65 and above — Payments start in the quarter you turn 65. | [CPF Board](https://www.cpf.gov.sg/member/retirement-income/government-support/silver-support-scheme) |
| Lifetime CPF contributions by age 55 | Up to $140,000 — The total paid into your Ordinary and Special Accounts, including amounts withdrawn for housing, education and investment. | [CPF Board](https://www.cpf.gov.sg/member/retirement-income/government-support/silver-support-scheme) |
| Household income per person | Up to $2,300 a month — Payout tiers: $1,500 or less, and above $1,500 up to $2,300. | [CPF Board](https://www.cpf.gov.sg/service/article/how-much-silver-support-will-i-receive) |
| Quarterly amount, 1- and 2-room flats | $1,080 or $540 — Income per person $1,500 or less, or above $1,500 up to $2,300. | [CPF Board](https://www.cpf.gov.sg/service/article/how-much-silver-support-will-i-receive) |
| Quarterly amount, 3-room · 4-room · 5-room | $860/$430 · $650/$325 · $430/$215 — 5-room: you may live in it but not own it. | [CPF Board](https://www.cpf.gov.sg/service/article/how-much-silver-support-will-i-receive) |
| ComCare Long Term Assistance recipients | $430 a quarter — Whatever the flat type. | [CPF Board](https://www.cpf.gov.sg/service/article/how-much-silver-support-will-i-receive) |
| Self-employed and platform workers | Average yearly net trade income up to $27,600 — Measured between ages 45 and 54. | [CPF Board](https://www.cpf.gov.sg/service/article/how-much-silver-support-will-i-receive) |

## Getting Silver Support: what happens

You do not apply. CPF assesses you automatically.

1. **Turn 65** (Age 65) — You are assessed automatically if you are a Singapore Citizen. Payments start in the quarter you turn 65.
2. **Receive the letter** (Each December) — CPF sends a notification letter if you are eligible.
3. **Receive quarterly payouts** (Every quarter) — Payouts cover January to March, April to June, July to September and October to December.

## What Silver Support is

Silver Support gives **quarterly cash** to Singapore Citizens aged 65 and above who had lower incomes during their working years and have little retirement support. You **do not apply**: eligibility is assessed automatically.

## Who qualifies

- **Singapore Citizen aged 65 or above.**
- **Total CPF contributions of $140,000 or less by age 55.**
- **Household income of $2,300 or less per person per month.**
- **Living in a 1-room to 5-room HDB flat.**
- **Neither you nor your spouse owns** a 5-room or larger HDB flat, private property or more than one property. You may live in a 5-room flat that you do not own.
- **Self-employed people and platform workers** are also assessed on average yearly net trade income between ages 45 and 54, which must be $27,600 or less.

## How much you get

Quarterly amounts depend on your flat type and your household income per person:

| Flat | Income per person $1,500 or less | Above $1,500, up to $2,300 |
| --- | --- | --- |
| 1- and 2-room | $1,080 | $540 |
| 3-room | $860 | $430 |
| 4-room | $650 | $325 |
| 5-room | $430 | $215 |

**ComCare Long Term Assistance** recipients receive **$430 a quarter** whatever the flat type.

## Worked examples

| Case | Quarterly | Yearly |
| --- | --- | --- |
| 3-room flat, 2 people, household income $2,600 ($1,300 each) | $860 | $3,440 |
| Same flat, household income $4,000 ($2,000 each) | $430 | $1,720 |
| 1-room flat, income per person $2,000 | $540 | $2,160 |

## Common mistakes

- **Using your own income instead of household income per person.** The test divides the household's income by the number of people.
- **Thinking you must own your home.** You only need to live in a 1- to 5-room HDB flat.
- **Owning a second property.** Owning more than one property makes you ineligible.
- **Waiting for a form.** There is nothing to apply for; CPF writes to you each December if you are eligible.

## Related tools

- [Government support estimator](https://toolsg.com/en/government-support-schemes) — GST Voucher, CDC Vouchers, U-Save and more.
- [CPF retirement sum calculator](https://toolsg.com/en/cpf-retirement-sum-calculator) — your retirement savings.
- [CPF withdrawal calculator](https://toolsg.com/en/cpf-withdrawal-calculator) — what you can take at 55 and 65.

## Frequently asked questions

**Who is eligible for Silver Support?**

Singapore Citizens aged 65 and above with total CPF contributions of $140,000 or less by age 55, household income of $2,300 or less per person per month, living in a 1-room to 5-room HDB flat, without owning a 5-room or larger flat, private property or more than one property.

**How much is Silver Support?**

Quarterly amounts range from $215 to $1,080 depending on the flat type and whether household income per person is $1,500 or less or above $1,500 up to $2,300.

**Do I need to apply?**

No. Eligibility is assessed automatically and CPF sends a letter each December.

**Can I live in a 5-room flat and still get it?**

Yes, if you do not own it. Owning a 5-room or larger HDB flat makes you ineligible.

**What do ComCare Long Term Assistance recipients get?**

$430 a quarter, regardless of flat type.

**Is this the official decision?**

No. It is an estimate from the figures you enter. CPF decides.


## Sources

- [CPF Board — How much Silver Support will I receive?](https://www.cpf.gov.sg/service/article/how-much-silver-support-will-i-receive) — Quarterly amounts by flat type and income tier, ComCare rate and property conditions (page updated 18 May 2026).
- [CPF Board — Silver Support Scheme](https://www.cpf.gov.sg/member/retirement-income/government-support/silver-support-scheme) — Eligibility, lifetime CPF contributions and the self-employed test (page updated 17 Sep 2026).