Posted by Singapore has launched a powerful upgrade to its pension system in 2025, targeting better retirement security for low- and middle-income workers. The revamped Workfare Income Supplement (WIS) scheme now offers eligible citizens up to $3,600 every quarter, amounting to $14,400 annually.
This quarterly support strengthens both immediate income and long-term CPF savings for workers nearing retirement age.
What Is the New Pension Boost in 2025?
The Workfare Income Supplement (WIS) is a government initiative aimed at helping workers save for retirement while improving their current financial situation.
In 2025, the scheme has been enhanced with higher payouts and automatic eligibility checks, ensuring that more Singaporeans receive the support they deserve.
Under the updated framework:
- Individuals may receive up to $3,600 quarterly
- Payments are disbursed in March, June, September, and December
- A portion goes to CPF for retirement, while the rest is cash support
Eligibility Criteria: Who Qualifies for the $3,600 Quarterly?
To receive the boosted WIS payouts, individuals must meet specific criteria based on age, income, employment status, and residency.
Eligibility Breakdown:
| Criteria | Details |
|---|---|
| Age | 30 years old and above (as of 31 Dec 2025) |
| Monthly Income | $2,300 or less on average |
| Employment | Must be employed or self-employed with CPF paid |
| Property Ownership | Own no more than one residential property |
| Citizenship | Must be a Singapore citizen |
This pension support encourages continuous employment and retirement planning while providing extra financial cushioning.
How the Payout Is Structured
The total quarterly payment may reach $3,600, depending on income and employment status. The payout is divided into cash and CPF contributions.
Payment Structure:
| Component | Percentage | Quarterly Amount (Up to) | Purpose |
|---|---|---|---|
| Cash | 10% | $360 | Daily living expenses |
| CPF Contribution | 90% | $3,240 | Retirement savings |
| Total | 100% | $3,600 |
The cash amount is disbursed through PayNow linked to the recipient’s NRIC, and the CPF portion is credited directly to the individual’s CPF account.
Additional Support: Earn and Save Bonus
Workers aged 52 and above (born in 1973 or earlier) also qualify for the Earn and Save Bonus, which adds up to $1,000 more annually to their CPF savings.
Bonus Payout Structure:
| Monthly Income Range | Annual CPF Bonus |
|---|---|
| $500 – $2,500 | $1,000 |
| $2,501 – $3,500 | $700 |
| $3,501 – $6,000 | $400 |
These additional credits further enhance long-term financial stability for older workers.
The enhanced pension payout of up to $3,600 quarterly is a strong step toward building a more inclusive and secure retirement system in Singapore.
With automatic assessments, higher payout thresholds, and added retirement bonuses for older workers, Singapore’s pension reform in 2025 reflects a strong commitment to supporting its aging population and workforce.
Workers are encouraged to check their CPF status and ensure their PayNow-NRIC linkage is active to receive timely payments. This initiative is not just a financial boost—it’s a strategic investment in Singapore’s future.
FAQs
How do I receive the $3,600 quarterly payout?
Eligible recipients automatically receive the cash portion via PayNow linked to their NRIC and the CPF portion directly into their account.
Do I need to apply for the WIS or Earn and Save Bonus?
No. All eligible individuals are automatically assessed through CPF records and tax data. Manual applications are not required.
Can self-employed individuals get this pension support?
Yes, as long as they contribute to CPF and meet income and eligibility requirements, self-employed persons also qualify.