Did you know a typical Singapore household has over $4,500 in government support available in 2026?
Here's your complete guide to claiming every dollar. Updated every time the government announces a new scheme. Bookmark this page.
Answer 4 quick questions — takes 10 seconds. The table below updates automatically.
1. Are you a Singapore Citizen?
2. Do you have Singapore Citizen children aged 12 or below?
Affects Child LifeSG Credits (CLC) eligibility ($500 per child, Ministry of Social and Family Development). No income or property test.
3. Do you live in an HDB flat?
4. Is your household's annual assessable income below $39,000 (YA2025)?
Affects GST Voucher Cash eligibility (up to $850). Skip if unsure.
5. How old are you?
Affects CPF Top-Up for Seniors (Budget 2026) eligibility (aged 50+) and any future age-gated schemes. Skip if you prefer not to say.
Answer the questions above to see your estimated 2026 entitlement ↑
Answer the questions above to see deadlines for schemes you match.
Answer the questions above to see your deadlines ↑
12 schemes covering most Singapore households. Answer the questions above to filter for your situation.
| Scheme | Who Gets It | Amount | Expiry / Payout | Status |
|---|---|---|---|---|
| CDC Vouchers (June 2026) | All households | $500 | Dec 2027 | 🟢 Claim Now |
| CDC Vouchers (Jan 2026) | All households | $300 | Dec 2026 | 🟢 Claim Now |
| CDC Vouchers (Jan 2027) | All Singaporean households | $300 | Dec 2027 | ✅ Auto |
| SG60 Vouchers | All Singapore Citizens | $600–$800 | Dec 2026 | 🟢 Claim Now |
| GST Voucher Cash | Lower income Singapore Citizens | Up to $850 | Aug 2026 | ⚠️ Claim Now |
| GST Voucher U-Save | HDB households | Up to $760/year | Auto-applied | ✅ Auto |
| Climate Voucher | HDB households | $400 | TBC | 🟢 Claim Now |
| SG Culture Pass | Singapore Citizens aged 18+ | $100 | TBC | 🟢 Claim Now |
| SkillsFuture Credit | Singapore Citizens aged 25+ | $500+ | TBC | 🟢 Claim Now |
| Workfare Income Supplement (WIS) | Singapore Citizens aged 30+ earning $500–$3,000/month who are currently working | Up to $4,900/year | ✅ Auto | |
| Assurance Package Cash | Adult Singapore Citizens | $250 | Dec 2026 | 🟢 Claim Now |
| Child LifeSG Credits | SC children aged 12 or below | $500/child | Jul 2026 / Apr 2027 | ✅ Auto |
| Large Families Scheme (LFS) | Parents with 3 or more SC children — additional benefits for each third and subsequent child born on or after 18 Feb 2025 | Up to $16,000 per third/subsequent child | Mar 2027 | ✅ Auto |
| Cost-of-Living Special Payment | SC adults aged 21+, AI ≤$100,000, 1 property only | $400–$600 | Sep 2026 | ✅ Auto |
| CPF Top-Up for Seniors (Budget 2026) | SC aged 50+, CPF savings below BRS $110,200, AV ≤$31,000 | Up to $1,500 (CPF) | Dec 2026 | ✅ Auto |
| Silver Support Scheme | Singapore Citizens aged 65+ with lower lifetime CPF savings, living in HDB | $450–$1,080/quarter | ✅ Auto | |
| Majulah Package — Earn and Save Bonus | Singapore Citizens born in 1973 or earlier, working with monthly income $500–$6,000 | $400–$1,000/year | ✅ Auto | |
| Matched Retirement Savings Scheme (MRSS) | Singapore Citizens aged 55–70 with CPF retirement savings below $110,200 | Up to $600/year — government matches your top-up dollar-for-dollar | 📝 Apply | |
| Matched MediSave Scheme (MMSS) | Singapore Citizens aged 45–70 with MediSave below $79,000 | Up to $1,000/year — government matches your top-up dollar-for-dollar | 📝 Apply | |
| ComCare Interim Assistance (2026) | Lower-income Singaporean households | At least $250/month, up to 3 months | Dec 2026 | 📝 Apply |
You have two separate CDC voucher tranches worth $800 combined — $500 disbursed June 2026 and $300 disbursed January 2027. Here's how to stretch them further.
Spend supermarket vouchers in $60 chunks at FairPrice and get a $6 return voucher each time — a free 10% bonus!
Most people only use CDC at supermarkets. Heartland vouchers stretch further at these:
Your actual voucher balance and spending history is stored securely in the government's Singpass system. Check it directly on the official portal — takes less than a minute.
🔒 You'll need your Singpass to log in. BuddyTools does not have access to your personal voucher data — we simply point you to the right place.
A one-time voucher marking Singapore's 60th birthday. Issued per person, not per household — every family member gets their own.
Family tip: SG60 is per person — a family of 4 Singapore Citizens collects $2,400 to $3,200 combined on top of CDC vouchers. Remind elderly parents and adult children to claim theirs separately.
The GST Voucher offsets GST for lower-income Singaporeans. Three components: Cash, MediSave and U-Save.
Direct cash to your bank account or GovCash. Assessable income ≤$39,000 (YA2025). Amount: $850 if AV ≤$21,000 · $450 if AV $21,001–$31,000.
Credited directly to your CPF MediSave account. For eligible Singaporeans aged 65 and above.
Automatically offsets your SP Group electricity and gas bills. For eligible HDB households — no sign-up needed. FY2026 total includes the regular enhanced U-Save (1.5×, April–March) plus 2026 Additional U-Save disbursed in October 2026 and January 2027, announced 29 July 2026 in response to Middle East cost pressures. Unused U-Save rolls over and does not expire.
Disbursed quarterly: April 2026 · July 2026 · October 2026 · January 2027. Eligibility: HDB flat with at least one SC owner/occupier (or SC tenant if whole flat rented out); all owners/essential occupiers must not own more than one property. No sign-up needed.
Additional U-Save (Oct 2026 + Jan 2027 tranches) announced 29 July 2026 in response to Middle East cost pressures. Unused U-Save rolls over and does not expire.
Am I eligible? GST Voucher Cash is for Singapore Citizens who own ≤1 property, with assessable income ≤$39,000 (YA2025) and Annual Value of home ≤$31,000 (as at 31 Dec 2025). Amount: $850 if AV ≤$21,000; $450 if AV $21,001–$31,000. Check at govbenefits.gov.sg →
HDB households get $400 to spend on energy and water efficient appliances. This one often goes unclaimed.
Announced by the Ministry of Social and Family Development (MSF) at Budget 2026. Automatically credited to the Child Development Account (CDA) trustee via the LifeSG app — nothing to apply for.
S$500 in digital credits for each Singapore Citizen child aged 12 and below (born 2014–2025), disbursed automatically from 14 July 2026 via the LifeSG app. Children born in 2026 will receive their credits from April 2027. This is in addition to the 2025 CLC disbursement — the two are separate initiatives.
At any merchant accepting PayNow UEN QR or NETS QR payments — including supermarkets, pharmacies, utilities providers, and general retail. Both physical and online merchants are supported. Check the LifeSG app for the full list.
No. Credits are automatically credited to the Child Development Account (CDA) trustee based on MSF's records as at 1 June 2026. You will receive an SMS notification from "gov.sg" once the credits are available. No income test, no Annual Value test, no property check — citizenship and child age only.
Check your LifeSG app. If credits are not reflected after 14 July 2026, contact MSF via their official channels. Be alert to scams — legitimate SMS notifications will only come from "gov.sg" and will not contain links asking for personal information.
No — this is a separate 2026 disbursement announced at Budget 2026 by Prime Minister Lawrence Wong. The 2025 $500 CLC top-up was a separate initiative. Families may have received both.
Read MSF announcement →A one-off cash payout to eligible Singapore Citizens to help manage cost-of-living pressures. Automatically credited in September 2026 — no application needed.
A one-off cash payout from the Singapore government to help eligible Singapore Citizens manage everyday cost-of-living pressures. It is separate from GST Voucher Cash, Assurance Package Cash, and other payouts — eligible Singaporeans may receive all of these in 2026 if they meet each scheme's criteria.
Between $400 and $600, tiered by your Assessable Income (AI, YA2025) and the Annual Value (AV) of your home as at 31 December 2025.
| Assessable Income (YA2025) | AV ≤ $15k | AV $15k–$31k | AV > $31k |
|---|---|---|---|
| ≤ $22,000 | $600 | $500 | $400 |
| $22,001–$39,000 | $500 | $500 | $400 |
| $39,001–$100,000 | $400 | $400 | $400 |
Log in to govbenefits.gov.sg with Singpass from September 2026 to confirm your exact amount.
No application needed — disbursement is fully automatic. You will receive an SMS from "gov.sg" once credited.
Source: govbenefits.gov.sg — last updated 13 August 2026. Check eligibility at govbenefits.gov.sg →
A one-off CPF top-up (not a cash payout) for older Singaporeans with lower CPF savings. Credited automatically to your Retirement Account or Special Account in December 2026.
A one-off top-up to the CPF Retirement Account (RA) or Special Account (SA) — for older Singaporeans with lower CPF retirement savings. It is designed to help boost retirement adequacy for those who may not have had the opportunity to accumulate sufficient savings.
The top-up goes directly into your CPF Retirement Account (RA), or your Special Account (SA) if your RA has not yet been created. It cannot be withdrawn as cash — it stays in CPF and earns CPF interest, boosting your monthly CPF Life payouts in retirement.
While it is not immediately spendable, it increases your retirement income stream — which has compounding value over time.
Tiered by your CPF retirement savings as at 31 December 2025 and your home Annual Value (AV).
To check your CPF retirement savings as at 31 Dec 2025: log in to cpf.gov.sg → My CPF → Yearly Statement of Account → select 2025.
December 2026 — automatically credited to your CPF RA or SA. No application required. Log in to cpf.gov.sg or govbenefits.gov.sg with Singpass in December 2026 to confirm the top-up has been credited.
Source: CPF Board — Budget 2026 Highlights · govbenefits.gov.sg, last updated 13 August 2026. Read the CPF Board announcement →
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SG Govt Schemes Maximiser helps you discover which Singapore government grants, subsidies, and schemes you and your family may be eligible for — all in one place, explained in plain English.
Browse through schemes covering CPF, healthcare, education, housing, and family support, with clear eligibility criteria and direct links to apply. No need to dig through dozens of separate government websites to find out what you qualify for.
Any Singapore Citizen or Permanent Resident who wants a quick, honest way to check which government schemes apply to their situation — without missing out simply because they didn't know a scheme existed.
All scheme information is based on official guidance from CPF Board, MOH, MSF, and other relevant government agencies, verified against current eligibility criteria.
Yes. SG Govt Schemes Maximiser is completely free to use, with no signup or login required.
Singapore's government offers an extensive network of grants, subsidies, and support schemes — but awareness remains a persistent challenge. Many eligible Singaporeans miss out simply because the information is spread across dozens of separate agencies (CPF Board, MOH, MSF, HDB, MCCY, MOE) with no single place to check eligibility across all schemes at once.
Common reasons people miss out: not knowing a scheme exists, assuming they don't qualify without checking, confusion over eligibility criteria, or simply not having time to research each agency separately. This tool addresses all of these by bringing the key schemes together in one place with plain-English eligibility summaries.
GST Voucher (GSTV) is an annual cash transfer scheme that offsets the impact of Goods and Services Tax (GST) on lower- and middle-income Singaporeans. It comprises three components: Cash (for eligible adults), MediSave (for eligible seniors), and U-Save (utilities rebates for HDB households). Eligibility is based on assessable income and the Annual Value of your home.
CDC Vouchers are Community Development Council vouchers distributed to all Singaporean households. They can be used at participating heartland merchants and hawkers, as well as major supermarkets. Unlike most schemes, CDC Vouchers have no income or means-testing — all Singaporean households qualify.
SG60 Vouchers were introduced as part of Singapore's SG60 celebrations in 2025, providing all adult Singaporeans with vouchers for use at local businesses, cultural institutions, and hawker centres.
Assurance Package is a multi-year government package introduced to help Singaporeans adjust to the GST rate increase. It includes cash payouts, MediSave top-ups, CDC Vouchers, and other components distributed over several years to eligible Singaporeans.
SkillsFuture Credit provides all Singaporeans aged 25 and above with credits to offset the cost of approved skills training courses. It supports lifelong learning and career development, with periodic top-ups announced by the government.
Climate Vouchers help Singapore households offset the cost of switching to more energy-efficient appliances, as part of Singapore's sustainability goals.
Most Singapore government schemes use a combination of these factors to determine eligibility:
Assessable Income (AI): Your income as assessed by the Inland Revenue Authority of Singapore (IRAS) for a given Year of Assessment (YA). This is your total income minus approved deductions — it is not the same as your gross salary. Schemes typically use AI from the most recent completed YA.
Annual Value (AV) of your home: The estimated annual rental value of your property as assessed by IRAS. AV is used as a proxy for wealth — lower AV generally means a lower-value property. HDB flats typically have AVs below S$30,000; private properties vary widely. You can check your home's AV on the IRAS myTax Portal.
Citizenship and residency: Most schemes require Singapore Citizenship. Some extend to Permanent Residents (PRs) for specific components. Non-residents are generally not eligible for social support schemes.
Property ownership: Many schemes restrict eligibility to those who own no more than one property, or who live in HDB flats. Owning private property or multiple properties often disqualifies applicants from income-support schemes.
Log in to myTax Portal (mytax.iras.gov.sg) with your Singpass. Your Notice of Assessment (NOA) shows your assessable income for each Year of Assessment.
The Annual Value (AV) of your property is published on IRAS myTax Portal under “View Property Portfolio”. For most HDB flats, AV ranges from S$9,000 to S$30,000 depending on flat type and location.
Yes — CDC Vouchers are distributed in rounds and require a claim via the Singpass app or the CDC Vouchers website (cdcvouchers.gov.sg). They do not roll over automatically.
If you missed the sign-up deadline for your preferred payment method, you can still sign up later and receive the payout within approximately 2 months of registration. You do not lose eligibility — you only lose the earliest payment date.
Most schemes covered in this tool are for Singapore Citizens only. CDC Vouchers are available to all Singapore Citizen households. Check individual scheme pages for PR eligibility.
Yes — many Singaporeans qualify for several schemes simultaneously. For example, a lower-income household may qualify for GSTV Cash, GSTV U-Save, CDC Vouchers, SG60 Vouchers, and Assurance Package Cash at the same time. This tool checks eligibility across all schemes in one pass.
This tool provides eligibility guidance only — it does not process applications. Links to the official application portals for each scheme are provided in the results. Always verify current eligibility criteria on the official agency websites before applying.
This page is updated every time the government announces a new scheme. Enter your email to get alerted — no spam, ever.
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