What is the difference between MRSS and the Matched MediSave Scheme?

MRSS matches cash top-ups to a Retirement Account to strengthen monthly payouts in later years. The Matched MediSave Scheme is a five-year pilot that matches MediSave top-ups to support healthcare needs. If you qualify for both, coordinated contributions can help you capture a higher combined match, up to S$3,000 in 2026.

Who is eligible for matching grants in 2026?

In 2026, 750,000 residents could qualify for MRSS and 185,000 for the Matched MediSave Scheme, based on updated criteria released on Jan 28. Eligibility depends on age, balances, and contribution rules. Always verify status in your CPF portal or app, as personal circumstances determine whether you can receive the match.

How much can I receive from CPF matching grants this year?

About 165,000 people who qualify for both MRSS and MMSS can receive up to S$3,000 in combined matching grants in 2026. Your actual amount depends on your top-ups and the schemes’ limits. Plan contributions early, track them in the CPF portal, and keep a cash buffer for short-term needs.

How do these schemes affect my cash flow and savings?

Matching grants encourage you to channel spare cash into CPF, which can reduce near-term spending but improve long-term security. Prioritise capturing the match within your budget. Consider monthly top-ups, set reminders, and keep proof of contributions. This approach balances cash management with stronger retirement and healthcare savings.

Global Market Insights

Singapore CPF: January 28 Expansion of Matching Grants Up to S$3,000

ByDanny Kontos January 28, 2026January 28, 2026

Singapore’s matched retirement savings scheme just got bigger. On Jan 28, the Government expanded MRSS and rolled out a five-year Matched MediSave pilot. In 2026, 750,000 citizens may qualify for MRSS and 185,000 for MMSS, with up to S$3,000 in combined CPF matching grants this year for about 165,000 who qualify for both. A record S$456 million in MRSS grants was paid in 2025. We explain what this means for Singapore retirement savings, cash flow, and planning in the year ahead.