Singapore’s Majulah Package is a program that supports the elderly in getting better retirement savings. Among them, one of the bonuses is the Earn and Save which provides the annual CPF top-up of as high as S$1,000 for those who are still working.
In 2026 the regular support will be given to employees and will slowly grow the CPF balance, thus providing a significant monthly income during retirement when one may live longer and the cost of living may increase.
What the Earn and Save Bonus Offers
If you continue to work and comply with the eligibility criteria, the governing body will credit your CPF Retirement or Special Account directly every year.
Your account will be automatically credited with high interest which will compound, thereby enhancing your future payouts without any additional effort on your part.
Who Can Get It in 2026?
In 2026, you must be a Singapore citizen born in 1973 or earlier (53 years or older), have a moderate monthly income (the lower the income, the higher the bonus), live in a home with reasonable annual value, and own only one property at most.
Eligibility is determined each year using the data from the preceding year.
How Much Top-Up to Expect
The bonus is between S$400 and S$1,000 annually. The lower the average monthly income, the higher the amount will be.
Comprising thousands of dollars together with the accumulated interest, it can become a substantial sum in your CPF account for a number of years of working.
When the Money Arrives
Top ups for the work done in 2025 are for early 2026, typically around March. You will be notified.
The system is entirely automatic – no forms to fill in.
Why It Makes a Big Difference
Each dollar is allowed to grow at safe CPF rates that have a maximum of 6%. This could result in an increase of S$100–S$300 in monthly CPF LIFE payouts during retirement.
This is particularly beneficial for women or those who take career breaks.
Special Help for Vulnerable Seniors
Caregivers, persons with disabilities, or those receiving certain assistance will be guaranteed at least the minimum payout, even if they have little or no income.
Earn and Save Bonus Tiers (Approximate)
To make it easier, here is a table showing each category’s annual top-up and the average monthly income:
| Average Monthly Income | Annual CPF Top-Up |
|---|---|
| Up to S$1,500 | S$1,000 |
| S$1,501–S$3,000 | S$800–S$900 |
| S$3,001–S$6,000 | S$400–S$700 |
| Special Cases | At least S$400 |
Part of the Bigger Majulah Package
This bonus adds to the previous one-time Retirement Savings and MediSave boosts, which many received earlier.
Together, they create stronger financial security for the elderly.
The Majulah Earn and Save Bonus in 2026 is a considerate yearly reward that converts ongoing work into enduring retirement growth for the older legal residents of Singapore who qualify.
Visit govbenefits.gov.sg or log into your CPF account using Singpass today to find out if you are eligible and how much you could get. Working and contributing will pay off!