Support For You Calculator
Find out the estimated benefits you and your household may receive from Budget 2026
Budget 2026 strengthens support for seniors through a CPF Top-Up of up to $1,500, higher CPF contribution rates for senior workers, and a new life-cycle investment scheme.
Budget 2026 CPF Top-Up
Eligible Singaporeans aged 50 and above in 2026 will receive $500 to $1,500 in Budget 2026 CPF Top-Up, credited in December 2026 to their CPF Retirement Account (RA), or Special Account (SA) if the RA has not been created.
The CPF Top-Up provides additional support to boost the retirement adequacy of eligible Singaporeans with CPF retirement savings below prevailing Basic Retirement Sum (BRS) .
- Eligible recipients will be notified in December 2026, and can log in to the GovBenefits website in December 2026 using their SingPass to check their eligibility.
Who is eligible for the Budget 2026 CPF Top-Up?
- You must be a Singapore Citizen residing in Singapore
- You must be aged 50 and above in 2026
- Your CPF LIFE/Retirement Account or Ordinary/Special Account balances below prevailing BRS in 2026 of $110,200 as at 31 December 2025
- The Annual Value of your place of residence (as indicated on your NRIC), as at 31 December 2025 must not exceed $31,000
- You must not own more than one property as at 31 December 2025
How much CPF Top-Up will I receive?
| CPF Retirement Savings (age 50+ in 2026) | Owns 0 to 1 Property | |
| AV up to $21,000 | AV more than $21,000 and up to $31,000 | |
| Less than $60,000 | $1,500 | $500 |
| At least $60,000 but below $110,200 (2026 BRS) | $1,000 | $500 |
Visit the CPF Board website for more information on CPF changes announced in Budget 2026.
Increased CPF Contribution Rates
From January 2027, the CPF contribution rates for senior workers will also be increased to boost their retirement adequacy.
Workers aged above 55 to 60 will see their CPF contribution rate rise by 1.5 percentage points, and those above 60 to 65 by 1 percentage point, in 2027. The CPF Transition Offset will cover half of the increase in employer CPF contributions.
How much will CPF contribution rates increase by in 2027?
| Age Band | CPF Contribution Rates in 2027 | CPF Transition Offset to Employers | ||
| Total | Employer | Employee | ||
| Above 55 to 60 | 35.5% (+1.5%−pt) | 16.5% (+0.5%−pt) | 19% (+1.0%−pt) | 0.25%−pt |
| Above 60 to 65 | 26% (+1.0%−pt) | 13% (+0.5%−pt) | 13% (+0.5%−pt) | 0.25%−pt |
Visit the CPF Board website for more information on CPF changes announced in Budget 2026.
New Investment Options for CPF Members
The CPF Board will introduce a new life-cycle investment scheme in the first half of 2028, giving members an additional investment option alongside CPF’s risk-free interest rates and the CPF Investment Scheme (CPFIS).
Who is the new investment scheme for?
This new investment scheme caters to long-term investors who are willing to take some risk for potentially higher returns, but may have less expertise in navigating the CPFIS offerings or prefer not to actively manage their investments.
Visit the CPF Board website for more information on CPF changes announced in Budget 2026.
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Singapore Budget 2026 is part of the Ministry of Finance, Singapore. Visit website