Am I Eligible?

Assurance Package (AP) Cash

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.

Assurance Package (AP) MediSave

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
Disbursement Period	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.

Assurance Package (AP) Seniors' Bonus

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 and 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 $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
Feb 2025	2025	$250	$300	$200
	Total (including 2023)	$750	$900	$600

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 2023, the Annual Value (AV) of your home (as indicated on your NRIC) as at 31 July of the year preceding the Disbursement Year must not exceed $21,000. For Disbursement Year 2024 and 2025, the AV of your home (as indicated on your NRIC) as at 31 July of the year preceding the Disbursement Year must not exceed $25,000; 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.

Assurance Package (AP) U-Save

Eligible HDB households will receive additional U-Save rebates under the Assurance Package from 2023-2026. The AP U-Save is 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).

B2024 Cost of Living (COL) Support Measures

B2024 AP Enhancements

At Budget 2024, the Government enhanced the Assurance Package (AP) further to provide more support to help Singaporeans cope with cost-of-living concerns and economic uncertainties. The enhancements made in Budget 2024 will cost $1.9 billion.

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 one-off special payment amounting to between $200 to $400 in cash, depending on his/her income and property ownership, in September 2024.

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.

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
Apr 2024	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
Oct 2024	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 over 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
HDB Flat Type	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 > S&CC Rebate.

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.

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.

Community Development Council (CDC) Vouchers
At Budget 2024, the Government announced an additional $600 CDC Vouchers for all Singaporean households under the enhanced Assurance Package. The vouchers will be disbursed over two tranches of $300 each in June 2024 and January 2025.

In total, all Singaporean households will receive $800 CDC Vouchers in 2024 and $300 CDC Vouchers in 2025.

Each tranche of CDC Vouchers will continue to be allocated equally for spending at participating heartland merchants and hawkers, as well as participating supermarkets. As of 25 June 2024, all Singaporean households can visit go.gov.sg/cdcv to digitally claim the CDC Vouchers 2024 (June). More details on the January 2025 CDC Vouchers will be announced by the CDCs subsequently.

Each Singaporean household

2024 $800 CDC Vouchers

2025 $300 CDC Vouchers
Total $1,100 CDC Vouchers

Each Singaporean household
2024	$800 CDC Vouchers
2025	$300 CDC Vouchers
Total	$1,100 CDC Vouchers