Am I Eligible?
Earn and Save Bonus
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.
| 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 Earn and Save Bonus FAQ for more information 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.