KEY HIGHLIGHTS
- CPF MRSS 2026 matches up to S$600 per eligible senior when cash top-ups are made to their Retirement Account.
- Parents must meet age, income, CPF balance, and property limits to qualify for the government matching.
- Children can still enjoy CPF tax relief on top-ups, even while parents receive MRSS matching.
CPF MRSS 2026 allows eligible Singapore seniors to receive government matching when their children top up their CPF Retirement Account. The scheme is time-limited and subject to strict conditions.
Understanding the rules early helps families avoid missing out on guaranteed benefits.
Key CPF MRSS 2026 Dates & Limits
| Item | Details |
|---|---|
| Scheme period | 2021 to 2026 |
| Matching rate | Dollar-for-dollar |
| Annual matching cap | S$600 per senior |
| Maximum over scheme | S$3,000 |
| Top-up type | Cash only to CPF RA |
| Application required | No (automatic) |
What Is the CPF Matched Retirement Savings Scheme (MRSS)?
MRSS is a government programme designed to strengthen retirement adequacy for lower-income seniors. It provides direct matching to eligible CPF Retirement Account cash top-ups.
Only cash top-ups qualify. CPF transfers from OA or SA are excluded.
Can Children Top Up Parents’ CPF and Trigger MRSS?
Yes. Children may top up their parents’ CPF Retirement Account, and parents can receive MRSS matching if they meet all eligibility rules.
Important distinction:
- MRSS eligibility depends on the parent.
- Tax relief eligibility depends on the child.
Both benefits can apply at the same time.
CPF MRSS 2026 Eligibility Conditions
All conditions below must be met.
1. Age Requirement
Parents must be aged 55 to 70 in 2026.
2. CPF Retirement Account Balance
RA savings must be below the Basic Retirement Sum (BRS) applicable to the year the member turned 55.
3. Income Ceiling
Latest assessable income must not exceed S$34,000, including employment and rental income.
4. Property Ownership
The senior must own no more than one property in Singapore.
5. Top-Up Method
Only cash top-ups to the CPF Retirement Account qualify.
If any condition fails, MRSS matching will not be paid.
How Much Can Parents Receive Under MRSS?
| Item | Amount |
|---|---|
| Matching rate | Dollar-for-dollar |
| Annual cap | S$600 |
| Lifetime cap (2021–2026) | S$3,000 |
Example:
A child tops up S$600 in 2026.
- Parent receives S$600 government matching.
- Total CPF increase: S$1,200.
Any amount above S$600 will not receive matching.
Do Children Still Get CPF Tax Relief?
Yes. Tax relief under the Retirement Sum Topping-Up Scheme is separate from MRSS.
| Tax Relief Item | Amount |
|---|---|
| Maximum total relief | Up to S$14,000 |
| Parents / grandparents | Up to S$7,000 |
| Spouse / siblings | Up to S$7,000 |
| Cash top-ups | Eligible |
| CPF transfers | Not eligible |
Tax relief depends on relationship and residency status, not on MRSS eligibility.
CPF MRSS 2026 Timeline
| Stage | Expected Timing |
|---|---|
| Cash top-up made | Anytime in 2026 |
| Eligibility assessed | End of 2026 |
| Government matching credited | By mid-2027 |
Why This Matters
MRSS is one of the few CPF schemes that offers a guaranteed 100% return with no market risk. Combined with tax relief, families can improve retirement savings while reducing income tax exposure.
Given the scheme ends in 2026, delaying action risks losing permanent benefits.
Smart CPF Strategies for Children
- Top up exactly S$600 to maximise matching.
- Confirm parents’ income and property status before topping up.
- Combine MRSS with CPF tax relief in the same year.
- Review CPF balances using official calculators.
Common MRSS Mistakes to Avoid
- Topping up the Special Account instead of RA
- Using CPF transfers instead of cash
- Assuming matching applies automatically without eligibility
- Ignoring income or rental earnings
Frequently Asked Questions
Can both parents receive MRSS matching?
Yes. Each eligible parent can receive up to S$600 per year.
Can siblings split top-ups?
Yes. Combined matching per parent is still capped at S$600.
Does MRSS affect Silver Support or CPF LIFE payouts?
No. MRSS does not reduce other CPF benefits.
If a parent turns 71 in 2026, do they qualify?
No. Eligibility ends at age 70.
Do PR parents qualify?
No. MRSS is for Singapore Citizens only.
Final Takeaway
CPF MRSS 2026 remains one of Singapore’s most efficient retirement support schemes. Families planning CPF top-ups should structure contributions carefully to avoid missing free government matching.
Sources (Official Singapore Government Websites)
- Central Provident Fund Board – https://www.cpf.gov.sg
- Ministry of Manpower – https://www.mom.gov.sg
- Inland Revenue Authority of Singapore – https://www.iras.gov.sg