Majulah Package
The Majulah Package supports retirement adequacy for Singaporeans born in 1973 or earlier, with Retirement Savings Bonus, MediSave Bonus and Earn and Save Bonus.
Last updated 17 June 2026
Am I eligible?
Log in to our e-services with your Singpass to check your eligibility.
Overview
The Majulah Package aims to provide Singapore citizens born in 1973 or earlier, especially those born in 1960 to 1973 (“Young Seniors”, currently in their 50s and early 60s), with an additional boost for their retirement. The Majulah Package comprises the following:
Yearly Earn and Save Bonus;
One-time Retirement Savings Bonus (paid in December 2024); and
One-time MediSave Bonus (paid in December 2024).
Every Singaporean born in 1973 or earlier will receive at least one component of the Majulah Package. The Package will benefit about 1.6 million Singaporeans.
Who is eligible?
Singaporeans born in 1973 or earlier will receive the yearly Earn and Save Bonus (ESB) if they meet the following criteria:
Work and earn an average monthly income of $500 to $6,000;
Live in a residence with Annual Value (AV) of $31,000 and below; and
Own not more than one property.
The ESB eligibility is assessed yearly, based on income from the preceding Year of Assessment (employment and trade income) as well as AV and property ownership as at 30 November of the preceding year*.
*For example, 2026’s ESB is assessed based on income in Year of Assessment 2025 as well as AV and property ownership as at 30 November 2025.
ESB
Average Monthly Income 1, 2 | Annual Bonus 3 |
$500 to $2,500 | $1,000 |
Above $2,500 to $3,500 | $700 |
Above $3,500 to $6,000 | $400 |
Notes:
1 In the 2026 ESB, the Average Monthly Income (year of assessment 2025 is defined as total employment and trade income earned in 2024 ÷ number of months worked in 2024.
2 Persons with disabilities, workers who qualify for ComCare Short-to-Medium Term Assistance and caregivers of care recipients (generally include caregivers residing with care recipients who are medically certified to have permanent moderate to severe disabilities) can qualify for concessionary ESB of $400/year, even if they earn below $500/month. Please refer to More Scheme Information below on the eligibility criteria for concessionary ESB.
3 Paid to the Retirement Account if it is available at crediting date. Otherwise, the ESB will be paid to the Special Account. The ESB will be paid to the Ordinary Account for citizens aged 55 and above who have set aside CPF savings equal to the Full Retirement Sum(FRS), or the Basic Retirement Sum (BRS) with property.
When and how will I be paid?
If you are eligible for the Earn and Save Bonus (ESB), you will automatically receive the benefits in your CPF Account in March every year, from 2025 onwards. No further action is required on your part.
The ESB will be paid to the Retirement Account if it is available at crediting date. Otherwise, it will be paid to the Special Account. The ESB will be paid to the Ordinary Account for citizens aged 55 and above who have set aside CPF savings equal to the Full Retirement Sum (FRS), or the Basic Retirement Sum (BRS) with property.
More Scheme information
How will I know if the Earn and Save Bonus (ESB) has been credited to my CPF account?
You can view your CPF transaction history by logging in at the CPF website with your Singpass. Additionally, your Singpass-registered mobile number will receive an SMS (without any links) about the crediting. To update your mobile number, please log in to your Singpass account at the Singpass website.
If you don't have a Singpass-registered mobile number, we will send a letter to the residential address on your NRIC.
Why is the Earn and Save Bonus (ESB) paid to CPF accounts and not in cash?
The Earn and Save Bonus (ESB) is part of the Majulah Package which is meant to help older Singapore citizens with their retirement and healthcare needs. The benefits are paid to CPF accounts and will grow with interest to boost their retirement and healthcare savings.
Can I withdraw the Earn and Save Bonus as a lump sum?
No. The Earn and Save Bonus (ESB) is meant to boost your retirement savings. The ESB credited to your CPF Retirement Account will be paid to you as part of your monthly payouts in retirement.
Where can I find more information on CPF monthly retirement payouts?
Please refer to the FAQs found on the CPF website for more details, such as:
Will self-employed persons and platform workers qualify for the Earn and Save Bonus (ESB)?
Yes, the Earn and Save Bonus (ESB) provides additional support to lower- to middle-income workers, regardless of employment type.
Self-employed persons, platform workers and employees who earn an average monthly income of at least $500 and not more than $6,000 may be eligible for ESB, provided that they meet the other eligibility criteria.
I have moved to a property with lower annual value and/or sold my second property between 30 November and 31 December of the preceding year. Would I be eligible for the Earn and Save Bonus (ESB)?
Yes, you may apply to receive the ESB here if you moved to a property with lower annual value and/or sold your second property between 30 November and 31 December of the preceding year, and have met the other criteria.
If I own more than one property, will I be eligible for Earn and Save Bonus (ESB)?
No, those who own more than one property will not be eligible for ESB. Such properties may include shophouses, private residential properties or non-residential properties such as commercial or industrial properties.
I am residing overseas. Am I eligible for Earn and Save Bonus (ESB)?
No. ESB is a targeted measure and is means-tested such that eligible Singaporeans working in Singapore with a local residential address that meets the AV criterion and other eligibility criteria can qualify.
How is the average gross monthly income (AMI) criterion computed?
The average gross monthly income is defined as:
Total employment and trade income earned in the preceding Year of Assessment ÷ the number of months worked in the year
To qualify for ESB, your AMI earned in the preceding Year of Assessment must be between $500 and $6,000.
I earn less than $500 per month. Do I qualify for the Earn and Save Bonus (ESB)?
During the months you had worked in the preceding Year of Assessment, if your average monthly income was less than $500 per month and you belonged to one of the following groups and meet other ESB eligibility criteria, you will qualify for concessionary ESB:
Person with Disability
ComCare Short-to-Medium Term Assistance recipient
Caregiver of a care recipient1. This generally includes caregivers residing with care recipients who are medically certified to have permanent moderate to severe disabilities.
You will receive concessionary ESB of $400/year.
1 Care recipients are individuals who are medically certified to have permanent moderate to severe disabilities and may be receiving support through various schemes coordinated by the Agency for Integrated Care (AIC), including: Home Caregiving Grant, Pioneer Generation Disability Assistance Scheme, Interim Disability Assistance Programme for the Elderly, ElderFund, MediSave Care, CareShield Life, and ElderShield.
How do caregivers qualify for concessionary Earn and Save Bonus (ESB)?
During the months they had worked in the preceding Year of Assessment, individuals must fulfill all four criteria below to be eligible for ESB as a working caregiver:
Their care recipients qualify for selected schemes coordinated by the Agency for Integrated Care (AIC)1;
They are related household members of the care recipient (i.e. related by blood or legal relations to the care recipient, and staying together at the same address);
Their care recipients are not residing in nursing homes; and
They meet all other eligibility criteria for ESB, except the $500 minimum income threshold.
We will automatically assess caregivers’ eligibility for ESB. Caregivers do not need to notify us that they are a caregiver or submit any supporting documents.
Please update the residential address in your NRIC with ICA if you are a caregiver and have moved in with your care recipient. If you have already done so and have not received your ESB, log in to the e-services with your Singpass to inform us.
1 Care recipients are individuals who are medically certified to have permanent moderate to severe disabilities and may be receiving support through various schemes coordinated by the Agency for Integrated Care (AIC), including: Home Caregiving Grant, Pioneer Generation Disability Assistance Scheme, Interim Disability Assistance Programme for the Elderly, ElderFund, MediSave Care, CareShield Life, and ElderShield.
How will I be notified about my payouts and how do I change my payment mode for cash benefits?
For more details, please refer to: