KEY HIGHLIGHTS
- Majulah Package targets Singaporeans aged 50+ who are still working or short on CPF
- Eligible seniors can receive up to S$3,000+ in CPF and MediSave top-ups
- No application needed — payouts are automatic and ongoing till 2026
For many Singaporeans in their 50s and early 60s, life isn’t slowing down yet.
You may still be working, helping ageing parents, and supporting children — all while asking the same question:
Is my CPF really enough?
That’s exactly where the Majulah Package comes in.
What Is the Majulah Package?
The Majulah Package is a multi-billion-dollar government support programme focused on retirement and healthcare security.
It covers around 1.6 million Singaporeans, especially those often called “Young Seniors”.
If you were born in 1973 or earlier, this matters to you.
| Benefit Component | How Much You Can Get | Paid Into | Who It’s For |
|---|---|---|---|
| Earn and Save Bonus (ESB) | S$400 – S$1,000 per year | CPF | Working seniors earning up to S$6,000/month |
| Retirement Savings Bonus (RSB) | S$1,000 – S$1,500 (one-off) | CPF Retirement Account | Those below Basic Retirement Sum |
| MediSave Bonus | S$500 – S$1,500 (one-off) | MediSave | Seniors born 1973 or earlier |
Who Is Eligible?
This is not just for the Pioneer Generation.
You qualify if you fall under any of these groups:
- Young Seniors (born 1973 or earlier)
- Merdeka Generation
- Pioneer Generation
No application required.
Eligibility is assessed automatically by the government.
Honestly speaking, if you’re 50+, chances are high you’re included.
Earn and Save Bonus (ESB): Extra CPF Just for Working
Still working? This is the part most people overlook.
The Earn and Save Bonus rewards seniors who stay employed — even part-time.
How much can you get?
- S$400 to S$1,000 every year
- Credited directly into your CPF
- Continues annually while you remain eligible
Who qualifies?
- Working full-time or part-time
- Monthly income up to S$6,000
- CPF contributions made
- Lower- and middle-income earners receive more
No forms.
No claiming.
Just keep working.
Why This Changes the Retirement Maths
For most Singaporeans, this is the quiet shift.
Instead of stopping work completely, even light or flexible work keeps CPF growing — plus this extra government top-up.
That can mean thousands more by retirement.
No need to overthink.
Retirement Savings Bonus (RSB): If Your CPF Is Falling Short
Not everyone had a smooth career.
Some took time off for kids.
Some cared for parents.
Some had lower wages earlier on.
This is where the Retirement Savings Bonus steps in.
What you get
- One-time CPF top-up of S$1,000 to S$1,500
Who gets it?
- Singaporeans whose CPF savings are below the Basic Retirement Sum
- Assessed at a fixed cut-off date
This is a support buffer, not a handout — meant to close real gaps.
MediSave Bonus: Cushioning Healthcare Costs
Medical costs don’t disappear after retirement.
The Majulah Package includes a one-off MediSave Bonus to help with future healthcare needs.
How much?
- S$500 to S$1,500
What can it be used for?
- Outpatient medical bills
- MediShield Life premiums
- CareShield Life premiums
Who qualifies?
- All seniors born in 1973 or earlier
- Amount depends on age and home Annual Value
Paid automatically into MediSave.
Why the Focus on “Young Seniors”?
This group sits right in the middle.
You benefited from CPF improvements —
but also faced higher housing prices, longer life expectancy, and rising healthcare costs.
The message is clear:
Stay active.
Stay employed if you can.
Retire with less stress.
It’s a nudge, not pressure.
And honestly, it makes sense.
What You Should Do Now
Keep it simple:
- Check your birth year — 1973 or earlier means you’re in
- Log in to CPF and review your balances
- Consider part-time or re-employment instead of stopping fully
- Update your Singpass contact details for notifications
Small steps now can mean S$2,000–S$5,000 more later.
Frequently Asked Questions
1. Do I need to apply for the Majulah Package?
No. All benefits are automatically assessed and credited if you meet the criteria.
2. Can self-employed seniors receive the Earn and Save Bonus?
Yes. As long as you make voluntary CPF contributions and meet the income limits.
3. When will the payouts be made?
Bonuses are rolled out progressively, with major components continuing up to 2026.