Silver Support Scheme 2026: Singapore seniors who had lower incomes during their working years may receive quarterly cash payments of up to S$1,080 under the Silver Support (SS) Scheme.
The scheme is designed to provide additional retirement support to Singapore Citizens aged 65 and above who have fewer retirement resources and meet the Government’s eligibility criteria.
There is no need to apply for Silver Support. The CPF Board automatically reviews eligibility each year. Eligible seniors receive their payments every quarter.
What Is the Silver Support Scheme?
The Silver Support Scheme was introduced in 2016 as part of Singapore’s social support system for seniors.
It provides a quarterly cash supplement to Singapore Citizens who had lower incomes during their working years and now have fewer resources in retirement.
From 2025, Silver Support payments were increased by 20%, while the monthly per capita household income threshold was raised from S$1,800 to S$2,300. These changes allow more seniors with lower means to receive support.
The scheme is automatically assessed, so eligible seniors do not need to submit a separate application.
Silver Support 2026: Who Is Eligible?
A Singapore Citizen aged 65 or above may qualify for Silver Support if they meet the required criteria relating to:
- Lifetime CPF contributions or income from self-employment/platform work
- Housing type and property ownership
- Household income
The CPF Board automatically reviews eligibility every year. Seniors turning 65 will begin receiving Silver Support in the quarter in which they turn 65.
GST Voucher 2026 Singapore: Are You Getting $850 Cash in August?
1. Low Lifetime Wages
For employees, total CPF contributions by age 55 must be S$140,000 or less.
The calculation includes the total contributions to the Ordinary Account and Special Account, including amounts that may have been withdrawn for purposes such as housing, education and investment.
For self-employed persons and platform workers, the average annual net trade income must have been S$27,600 or less between ages 45 and 54.
2. Housing and Property Ownership
You must live in a 1-room to 5-room HDB flat.
You must also meet the property ownership conditions. You or your spouse must not own:
- A 5-room or larger HDB flat
- Private property
- Multiple properties
A senior may live in a 5-room HDB flat but must not own one under the relevant eligibility rules.
3. Household Income
Your monthly per capita household income must be S$2,300 or less.
Per capita household income is calculated by dividing the household’s gross monthly income by the number of family members living together. Gross household income can include employment income, trade or self-employed income, overtime pay, allowances, commissions, bonuses and other relevant income.
How Much Silver Support Will You Get?
The amount depends on two main factors:
- Your monthly per capita household income
- The type of HDB flat you live in
Seniors living in smaller HDB flats generally receive higher Silver Support payments.
Silver Support Payment Amounts
| HDB Flat Type | Monthly per capita household income ≤ S$1,500 | Income above S$1,500 to S$2,300 |
|---|---|---|
| 1- and 2-room | S$1,080/quarter | S$540/quarter |
| 3-room | S$860/quarter | S$430/quarter |
| 4-room | S$650/quarter | S$325/quarter |
| 5-room | S$430/quarter | S$215/quarter |
These are quarterly amounts, not monthly payments.
For example, an eligible senior living in a 1- or 2-room HDB flat with monthly per capita household income of S$1,500 or less can receive S$1,080 every quarter, equivalent to up to S$4,320 over four quarters if eligible throughout the year.
Silver Support for ComCare Long-Term Assistance Recipients
Singapore Citizens aged 65 and above who receive ComCare Long-Term Assistance (LTA) will receive S$430 per quarter, regardless of their HDB flat type and monthly per capita household income.
When Is Silver Support Paid in 2026?
Silver Support is paid four times a year.
You start receiving payments in the quarter in which you turn 65.
| Eligibility period | PayNow-NRIC / Bank Crediting | GovCash |
|---|---|---|
| January–March | Last week of December | 31 December |
| April–June | Last week of March | 31 March |
| July–September | Last week of June | 30 June |
| October–December | Last week of September | 30 September |
The payments are made ahead of the relevant quarter so recipients have greater flexibility in managing their expenses.
How Will Silver Support Be Paid?
Silver Support is paid through one of three methods.
1. PayNow-NRIC
If your NRIC is linked to PayNow with a participating bank, your Silver Support payment will be credited to that account by default.
This is the recommended option if you want to receive the payment earlier.
2. Bank Transfer
If you do not have a PayNow-NRIC-linked account but have previously provided an eligible bank account to the Government, your payment can be credited through bank transfer.
You can check or update your registered bank details through the relevant government e-services using Singpass.
3. GovCash
If you do not have a PayNow-NRIC-linked bank account or a bank account registered with the Government, you can receive your Silver Support payment through GovCash.
GovCash recipients generally receive their payments later than those using PayNow-NRIC or registered bank accounts.
Do You Need to Apply for Silver Support?
No.
There is no application process for the Silver Support Scheme.
The CPF Board automatically reviews the eligibility of Singapore Citizens aged 65 and above every year. If you qualify, you will receive a notification and the payments will be made automatically.
Eligible seniors generally receive their notification in December of the preceding year.
How to Check Silver Support Eligibility?
You can check your Silver Support status through the official government e-services using Singpass.
For the latest eligibility information, visit the official CPF Board Silver Support page or the GovBenefits website.
Check your Silver Support eligibility:
CPF Board – Silver Support Scheme
Avoid using unofficial websites that ask for your bank login, OTP or other sensitive banking information.
What Is Per Capita Household Income?
Per capita household income is an important part of the Silver Support assessment.
It is calculated by taking the household’s total gross monthly income and dividing it by the number of family members living together.
For example, if a household has a combined gross monthly income of S$4,000 and four family members live together:
S$4,000 ÷ 4 = S$1,000 per person
This would fall within the lower Silver Support income tier, assuming the other eligibility requirements are also met.
The CPF Board uses relevant income information from sources such as CPF and IRAS to assess household income.
Silver Support 2026: Important Points
Here are the key figures to remember:
- Minimum age: 65
- Maximum CPF contributions by age 55: S$140,000
- Self-employed/platform worker income criterion: S$27,600 average annual net trade income at ages 45–54
- Maximum monthly per capita household income: S$2,300
- Eligible HDB flat types: 1-room to 5-room
- Maximum quarterly payment: S$1,080
- Payment frequency: Every quarter
- Application required: No
- Eligibility review: Automatic every year
Silver Support Scheme 2026 FAQs
How much can I get from Silver Support?
Eligible seniors can receive between S$215 and S$1,080 per quarter, depending on their HDB flat type and monthly per capita household income.
Is Silver Support paid every month?
No. Silver Support is paid quarterly, with payments made ahead of each eligibility period.
Do I need to apply for Silver Support?
No. The CPF Board automatically reviews your eligibility every year.
At what age can I receive Silver Support?
You can receive Silver Support from age 65, provided you meet all the eligibility conditions.
What is the maximum Silver Support payment?
The maximum standard payment is S$1,080 per quarter for eligible seniors living in a 1- or 2-room HDB flat with monthly per capita household income of S$1,500 or less.
Can someone living in a 5-room HDB flat receive Silver Support?
Yes, a senior may live in a 5-room HDB flat and qualify if all other requirements are met. However, the senior and spouse must not own a 5-room or larger HDB flat, private property or multiple properties under the applicable rules.
How do I receive Silver Support?
You can receive it through a PayNow-NRIC-linked bank account, bank transfer or GovCash, depending on your registered payment details.
How can I check my Silver Support status?
Log in to the official Silver Support e-services using Singpass to check your eligibility and payment information.
Official sources: CPF Board and GovBenefits Singapore.
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