Am I Eligible?

Am I Eligible?
  • Every Singaporean aged 21 years and above will receive cash payments of between $700 to $2,250, depending on his/her income and property ownership. The payments will be disbursed over five years, from 2022 to 2026.



    Singaporeans aged 21 and above in reference year

    Disbursement Period
    Owns 0 to 1 property

    Owns more than 1 property
    Assessable Income (AI)
    Up to $34,000 More than $34,000, and up to $100,000 More than $100,000
    2023 Dec 2022 $200 $150 $100 $100
    2024 Dec 2023 $600 $350 $200 $200
    2025 Dec 2024 $600 $350 $200 $200
    2026 Dec 2025 $600 $350 $100 $100
    2027 Dec 2026 $250 $150 $100 $100
    Total $2,250 $1,350 $700 $700


    To receive the AP Cash, you must fulfil the following criteria:
    • You must be a Singapore citizen residing in Singapore; and
    • You must be aged 21 and above in the reference year.
    The disbursement of AP Cash in December 2024 is based on your Assessable Income for Year of Assessment 2023 (income earned in 2022).

    You may login to the e-services to view your eligibility for AP Cash.

    Common terms related to the AP Cash's eligibility criteria
    Term(s) Description
    Assessable Income (AI) Your AI is your total income after deducting allowable expenses and approved donations. It includes employment income, trade income, and other income such as rental income.

    Based on the sample Notice of Assessment here:
    Income = $35,000
    Donations = $5,000
    Assessable Income = $35,000 - $5,000 = $30,000

    You may visit iras.gov.sg [log in to myTax Portal using your Singpass > Notices/Letters > Individual, select Year of Assessment] to view your Notice of Assessment.
    Singapore Citizen Those who hold foreign citizenship will not be eligible for the AP Cash, regardless of whether they simultaneously hold Singapore citizenship. Please approach the Immigration and Checkpoints Authority (ICA) if you would like to address your citizenship matters.
  • Every Singaporean aged (i) 20 and below, or (ii) 55 and above, will receive up to $450 in their CPF MediSave account over 2023 to 2025.

    Disbursement Period Age of Singaporean in Disbursement Year
    20 and below 55 and above
    Feb 2023 $150
    Feb 2024 $150
    Feb 2025 $150
    Total $450


    To receive the AP MediSave, you must fulfil the following criteria:
    • You must be a Singapore citizen residing in Singapore; and
    • You must be aged 20 and below, or 55 and above, in the disbursement year.

    You may login to the e-services to view your eligibility for AP MediSave.

    Common terms related to the AP MediSave's eligibility criteria

    Term(s) Description
    Singapore Citizen Those who hold foreign citizenship will not be eligible for the AP MediSave, regardless of whether they simultaneously hold Singapore citizenship. Please approach the Immigration and Checkpoints Authority (ICA) on issues relating to your citizenship.
  • Lower-income senior Singapore citizens will receive cash payments of $600 to $900 through the AP Seniors’ Bonus. The AP Seniors' Bonus will be disbursed over three years, from 2023 to 2025.

    Disbursement Year 2023:

    Property Ownership Owns 0 to 1 property
    Assessable Income (AI) Up to $34,000
    Annual Value (AV) of home Up to $13,000 More than $13,000, and up to $21,000
    Disbursement Period Age of Singaporean in Disbursement Year 55 to 64 65 and above 55 to 64 65 and above
    Feb 2023 2023 $250 $300 $200

    Disbursement Year 2024:

    Property Ownership Owns 0 to 1 property
    Assessable Income (AI) Up to $34,000
    Annual Value (AV) of home Up to $21,000 More than $21,000, and up to $25,000
    Disbursement Period Age of Singaporean in Disbursement Year 55 to 64 65 and above 55 to 64 65 and above
    Feb 2024 2024 $250 $300 $200

    Disbursement Year 2025:

    Property Ownership Owns 0 to 1 property
    Assessable Income (AI) Up to $34,000
    Annual Value (AV) of home Up to $21,000 More than $21,000, and up to $31,000
    Disbursement Period Age of Singaporean in Disbursement Year 55 to 64 65 and above 55 to 64 65 and above
    Feb 2025 2025 $250 $300 $200


    Note:
    Individuals who own more than one property are not eligible for AP Seniors’ Bonus.

    To receive the AP Seniors’ Bonus, you must fulfil the following criteria:
    • You must be a Singapore citizen residing in Singapore;
    • You must be aged 55 and above in the disbursement year;
    • Your Income Earned in (Disbursement Year – 3) (i.e. Assessable Income (AI) for the Year of Assessment (YA) of Disbursement Year – 2) must not exceed $34,000. For example, the disbursement in 2025 is based on your Assessable Income for Year of Assessment 2023 (income earned in 2022);
    • For Disbursement Year 2024, the Annual Value (AV) of your home (as indicated on your NRIC) as at 31 July 2023 must not exceed $25,000. For Disbursement Year 2025, the AV of your home (as indicated on your NRIC) as at 31 July of 2024 must not exceed $31,000; and
    • You must not own more than one property.

    You may login to the e-services to view your eligibility for AP Seniors’ Bonus.

    Common terms related to the AP Senior's Bonus's eligibility criteria

    Term(s) Description
    Assessable Income (AI) Your AI is your total income after deducting allowable expenses and approved donations. It includes employment income, trade income, and other income such as rental income.

    Based on the sample Notice of Assessment here:
    Income = $35,000
    Donations = $5,000
    Assessable Income = $35,000 - $5,000 = $30,000

    You may visit iras.gov.sg [log in to myTax Portal using your Singpass > Notices/Letters > Individual, select Year of Assessment] to view your Notice of Assessment.
    Annual Value (AV) The AV is the estimated gross annual rent of the property if it were to be rented out, excluding furniture, furnishings and maintenance fees. It is determined based on estimated market rentals of similar or comparable properties and not on the actual rental income received.

    To find out the AV of the property you are residing at, you may refer to IRAS Check Annual Value of Property portal.
    Singapore Citizen Those who hold foreign citizenship will not be eligible for the AP Seniors’ Bonus, regardless of whether they simultaneously hold Singapore citizenship. Please approach the Immigration and Checkpoints Authority (ICA) if you would like to address your citizenship matters.
  • Eligible HDB households will receive additional U-Save rebates under the Assurance Package from 2023 to 2026. The AP U-Save is provided on top of the regular GSTV – U-Save under the GSTV scheme, and will be credited together with households' regular GSTV – U-Save in the relevant months.

    To receive the AP U-Save, you must fulfil the following criteria:
    • If your flat is partially rented out or not rented out, there must be at least one Singaporean owner or occupier in the household to be eligible for U-Save; or
    • If you rent out an entire flat, there must be at least one Singaporean tenant;

      • AND

    • If your flat is partially rented out or not rented out, all owners and essential occupiers must not own or have any interest in more than one property; or
    • If you rent out an entire flat, all tenants must not own or have any interest in more than one property.


    HDB Flat Type and Disbursement Year
    1- and 2- room
    		 3-room
    		 4-room
    		 5-room
    		 Executive/Multi-Generation
    Jan 2023 $95 $85 $75 $65 $55
    Jan and Jul 2024 $190 $170 $150 $130 $110
    Jan and Jul 2025 $190 $170 $150 $130 $110
    Jan 2026 $95 $85 $75 $65 $55
    Total $570 $510 $450 $390 $330
    For Reference: Regular
    GSTV – U-Save per year    		 $380 $340 $300 $260 $220

    Notes
    • Households whose members own more than one property are not eligible for AP U-Save and GSTV – U-Save.
    • Eligible households will receive their regular GSTV – U-Save over four quarters in January, April, July and October.

    For more information on the AP U-Save, you can submit a feedback or call 6671 7117 (Mon-Fri: 8.30am-5.30pm).
  • B2025 Assurance Package (AP) Enhancements
    To help with cost-of-living concerns, PM and Minister for Finance Mr Lawrence Wong announced a $1.2 billion enhancement to the Assurance Package at Budget 2025.
    B2025 Cost-of-Living (COL) U-Save
    Eligible Singaporean households living in HDB flats and whose household members do not own more than one property will receive one-off B2025 COL U-Save to offset their utilities expenses as part of the AP enhancements announced at B2025. This B2025 COL U-Save will be disbursed in April 2025 and October 2025. In total, eligible HDB households will receive up to $760 of U-Save in Financial Year (“FY”) 2025. This is double the amount of regular GST Voucher (“GSTV”) – U-Save.

    If your household is eligible for the GSTV – U-Save, additional rebates such as the Assurance Package (AP) U-Save and B2025 COL U-Save will be automatically credited together with the regular GSTV – U-Save in the usual four quarters (April 2025, July 2025, October 2025, and January 2026). U-Save rebates will be credited directly into households’ utilities accounts with SP Services Limited.

    The U-Save rebates that households will receive in FY2025 are summarised in the table below.

    U-Save in FY2025

    HDB Flat Type April 2025 July 2025 October 2025 January 2026 Total U-Save for FY 2025
    Regular U-Save COL U-Save Regular U-Save AP U-Save Regular U-Save COL U-Save Regular U-Save AP U-Save
    1- and 2-room $95 $95 $95 $95 $95 $95 $95 $95 $760
    3-room $85 $85 $85 $85 $85 $85 $85 $85 $680
    4-room $75 $75 $75 $75 $75 $75 $75 $75 $600
    5-room $65 $65 $65 $65 $65 $65 $65 $65 $520
    Executive / Multi-gen $55 $55 $55 $55 $55 $55 $55 $55 $440

    Notes:
    • The amount for COL U-Save includes the additional $20 of U-Save per quarter from the $1.1 billion COL Package announced in September 2023, to cushion the impact of higher utilities bills from increases in carbon tax and water price.
    • If the flat is partially rented out or not rented out, there must be at least one Singaporean owner or occupier in the household to be eligible for U-Save. If the entire HDB flat is rented out, there must be at least one Singaporean tenant.
    • Households whose members own more than one property are not eligible for U-Save.
    Community Development Council (CDC) Vouchers
    Every Singaporean household will receive $800 CDC Vouchers as part of the AP enhancements announced at B2025. $500 CDC Vouchers will be disbursed in May 2025, and the remaining $300 CDC Vouchers will be disbursed in January 2026. Each tranche of CDC Vouchers will be split equally for spending at participating merchants/hawkers and supermarkets.

    The CDC Vouchers that Singaporean households will receive are summarised in the table below.

    CDC Vouchers disbursed in FY2025

    Disbursement Month CDC Vouchers per Singaporean Household Expiry Date
    May 2025 $500 31 Dec 2025
    Jan 2026 $300 31 Dec 2026
    Total $800

  • B2024 AP Enhancements
    At Budget 2024, the Government enhanced the Assurance Package (AP) further by $1.9 billion to provide more support to help Singaporeans cope with cost of living concerns and economic uncertainties.
    B2024 Cost-of-Living (COL) Special Payment
    As part of the enhanced Assurance Package announced at Budget 2024, eligible adult Singaporeans aged 21 and above in 2024 will receive a one-off cash payment of $200 to $400 in September 2024, depending on his/her assessable income and property ownership.

    Singaporeans Aged 21 and Above in 2024
    Disbursement Month Owns 0 to 1 property
    Assessable Income for Year of Assessment 2023
    Up to $22,000 More than $22,000, and up to $34,000 More than $34,000, and up to $100,000
    Sep 2024 $400 $300 $200


    To receive the B2024 COL Special Payment, you must fulfil the following criteria:
    • You must be a Singapore citizen
    • Residing in Singapore;
    • You must be aged 21 and above in 2024;
    • Your Assessable Income for Year of Assessment 2023 (income earned in 2022) must not exceed $100,000; and
    • You do not own more than one property.

    Common terms related to the COL Special Payment eligibility criteria
    Term(s) Description
    Assessable Income (AI) Your AI is your total income after deducting allowable expenses and approved donations. It includes employment income, trade income, and other income such as rental income.

    Based on the sample Notice of Assessment here:
    Income = $35,000
    Donations = $5,000
    Assessable Income = $35,000 - $5,000 = $30,000

    You may visit iras.gov.sg [log in to myTax Portal using your Singpass > Notices/Letters > Individual, select Year of Assessment] to view your Notice of Assessment.
    Singapore Citizen Those who hold foreign citizenship will not be eligible for the COL Special Payment, regardless of whether they simultaneously hold Singapore citizenship. Please approach the Immigration and Checkpoints Authority (ICA) if you would like to address your citizenship matters.
    B2024 Cost-of-Living (COL) U-Save
    Eligible Singaporean households living in HDB flats whose household members do not own more than one property will receive the one-off B2024 COL U-Save in April 2024, July 2024, October 2024, and January 2025 to help offset the households’ utilities expenses. In total, eligible HDB households can expect to receive 2.5 times the amount of regular GSTV – U-Save , or up to $950, in Financial Year 2024 (FY2024).

    If your household is eligible for the GSTV – U-Save, additional rebates such as the Assurance Package (AP) – U-Save and B2024 COL U-Save will be automatically credited together with the regular GSTV – U-Save in the usual four quarters (April 2024, July 2024, October 2024, and January 2025). U-Save rebates will be credited directly into households’ utilities accounts with SP Services Limited.

    The U-Save rebates that households will receive in FY2024 are summarised in the table below.

    U-Save in FY2024

    HDB Flat Type and Disbursement Month 1- and 2- room 3-room 4-room 5-room Executive/Multi-Generation
    Apr 2024 GSTV – U-Save $95 $85 $75 $65 $55
    B2024 COL U-Save $95 $85 $75 $65 $55
    Jul 2024 GSTV – U-Save $95 $85 $75 $65 $55
    AP U-Save $95 $85 $75 $65 $55
    B2024 COL U-Save $95 $85 $75 $65 $55
    Oct 2024 GSTV – U-Save $95 $85 $75 $65 $55
    B2024 COL U-Save $95 $85 $75 $65 $55
    Jan 2025 GSTV – U-Save $95 $85 $75 $65 $55
    AP U-Save $95 $85 $75 $65 $55
    B2024 COL U-Save $95 $85 $75 $65 $55
    Total $950 $850 $750 $650 $550

    Notes:
    • The B2024 COL U-Save includes the additional $20 of U-Save per quarter from the $1.1 billion COL Package announced in September 2023, to cushion the impact of higher utilities bills from increases in carbon tax and water price.
    • If the flat is partially rented out or not rented out, there must be at least one Singaporean owner or occupier in the household to be eligible for U-Save. If the entire HDB flat is rented out, there must be at least one Singaporean tenant.
    • Households whose members own more than one property are not eligible for U-Save.

    B2024 Cost-of-Living (COL) Service and Conservancy Charges (S&CC) Rebate
    Eligible Singaporean households living in HDB flats will receive rebates to offset between 2 and 4 months of S&CC from April 2024 to January 2025. This includes the additional 0.5-month of S&CC Rebate in January 2025, as announced at Budget 2024.

    To receive the B2024 COL S&CC Rebate, you must fulfil the following criteria:
    • There must be at least one Singapore citizen flat owner or occupier in the flat;
    • The flat owner(s) and essential occupier(s) of the flat do not own or have any interest in a private property; and
    • The flat owner(s) have not rented out the whole flat.

    HDB Flat Type No. of months of S&CC Rebate in FY2024
    Apr 2024 Jul 2024 Oct 2024 Jan 2025 Total for FY2024
    1- and 2-room 1.0 1.0 1.0 1.0 4.0
    3- and 4-room 1.0 0.5 0.5 1.0 3.0
    5-room 0.5 0.5 0.5 1.0 2.5
    Executive / Multi-Generation 0.5 0.5 0.5 0.5 2.0


    Notes:
    • Households with no Singapore citizen flat owner or occupier in the flat, whose flat owner(s) or essential occupier(s) own or have any interest in a private property, or have rented out the entire flat, are not eligible for the S&CC Rebate.
    • Number of months of S&CC Rebate in January 2025 includes the B2024 Cost-of-Living S&CC Rebate announced at Budget 2024.

    HDB residents can check or enquire on their household’s eligibility for the COL S&CC Rebate by logging into My HDBPage via HDB InfoWEB with their Singpass and following these steps: My Flat > Purchased/Rental Flat > View Service & Conservancy Charges (S&CC) Rebate > Write to Us.

    For enquiries on your household's S&CC payment and account status, residents can contact your respective Town Council. The Town Councils' contact information can be found on the respective Town Councils’ websites.

    Community Development Council (CDC) Vouchers
    As part of the enhanced Assurance Package announced at Budget 2024, every Singaporean household will receive $600 in CDC Vouchers disbursed equally over two tranches. All Singaporean households received the first tranche of $300 CDC Vouchers in June 2024.

    The second tranche of $300 CDC Vouchers can also be claimed from January 2025 onwards by visiting go.gov.sg/cdcv. The CDC Vouchers 2025 (January) will continue to be allocated equally for spending at participating heartland merchants and hawkers, as well as participating supermarkets.

    In total, all Singaporean households received $800 CDC Vouchers in 2024 and will also receive $800 CDC Vouchers in 2025.
    Each Singaporean household
    2024 $800 CDC Vouchers
    2025 $800 CDC Vouchers
    (includes $500 CDC Vouchers 2025 (May) announced at Budget 2025)
    Total $1,600 CDC Vouchers

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