To uplift lower-income workers and ensure no one is left behind in Singapore’s progress, the government has been providing continued support through the Workfare Income Supplement (WIS) scheme. First introduced in 2007 and enhanced over the years, WIS plays a crucial role in boosting incomes and CPF savings of older and lower-wage workers.
In 2025, eligible Singaporean workers can receive up to $3,267 in total WIS payouts — a mix of monthly cash and CPF contributions. These benefits not only raise take-home income but also strengthen retirement adequacy.
What Is the Workfare Income Supplement (WIS)?
The WIS is a targeted scheme that supplements the income of lower-wage Singaporean workers, particularly those aged 30 and above. It delivers quarterly payouts in both cash and CPF contributions, rewarding regular employment and CPF participation.
The WIS benefits are designed to encourage:
- Continued employment among lower-wage workers
- Active CPF contributions for long-term security
- Improved financial stability among older, vulnerable workers
Key Objectives of the WIS Scheme
The WIS scheme aims to:
- Supplement wages for low-income Singaporeans
- Encourage workforce participation among older workers
- Support retirement savings through CPF top-ups
- Bridge income inequality by uplifting the bottom wage tiers
WIS is not a one-off payout but a sustained income and retirement booster that rewards both employment and CPF contribution compliance.
What’s New in the 2025 WIS Update?
In 2025, the Workfare scheme continues to support workers with enhanced payouts, adjusted eligibility income ceilings, and improved disbursement processes.
2025 Updates at a Glance
- Maximum annual payout raised to S$3,267 for eligible employees
- Digital notifications via Singpass and SMS for better tracking
- Improved support for self-employed persons
- Continued quarterly disbursements for better cash flow support
These updates help workers cope with rising costs while building long-term savings in the CPF system.
Who Is Eligible for WIS in 2025?
To qualify for WIS in 2025, Singaporeans must meet the following criteria:
| Criterion | Requirement |
|---|---|
| Age | 30 years and above (as of work year) |
| Citizenship | Singapore Citizen |
| Monthly Income (Gross) | Not more than S$2,500 |
| Annual Assessable Income | Not more than S$28,000 |
| Property Ownership | Own no more than one property |
| Employment/Work Type | Employed or Self-Employed with CPF contributions |
| Work Months in Year | At least 3 months of work in the calendar year |
Note: For Self-Employed Persons (SEPs), contributions to Medisave and declaration of income to IRAS are also required.
Maximum Payout Amounts (2025)
Depending on age and income level, workers may receive varying payout amounts. Here’s a breakdown of the maximum payout of S$3,267 for full-year employment in 2025:
| Age Group | Maximum Annual Payout | CPF Portion | Cash Portion |
|---|---|---|---|
| 60 and above | S$3,267 | S$2,177 | S$1,090 |
| 55–59 years | S$2,782 | S$1,853 | S$929 |
| 45–54 years | S$1,982 | S$1,322 | S$660 |
| 35–44 years | S$1,408 | S$912 | S$496 |
| 30–34 years | S$1,053 | S$683 | S$370 |
Figures are based on full-year work with maximum payout tier eligibility.
Workfare Payout Schedule (CPF and Cash)
Eligible employees receive quarterly payouts — typically in March, June, September, and December. These are split into cash (paid to bank account) and CPF (credited to CPF accounts).
Payout Schedule Example for Full-Year Workers (2025)
| Month of Payment | Cash Component | CPF Component |
|---|---|---|
| March 2025 | 25% | 25% |
| June 2025 | 25% | 25% |
| September 2025 | 25% | 25% |
| December 2025 | 25% | 25% |
Payments are usually automatically disbursed to those who qualify, and no application is required for most employees.
How to Apply or Check Your Eligibility
For employees, no manual application is needed — CPF Board automatically assesses and disburses WIS based on CPF contributions and income records.
For self-employed persons, a declaration of income and Medisave contributions are required:
How to Check or Apply
- CPF Website: Use your Singpass to log in and check status
- Singpass App Inbox: Receive updates and payout alerts
- WIS Calculator Tool: Available on the CPF website to estimate benefits
If eligible, you will be notified via SMS or digital mail when your payout is ready.
Workfare for Self-Employed Persons (SEPs)
Self-employed individuals — such as delivery riders, freelancers, hawkers, or private tutors — also qualify for WIS, provided they:
- Earn Net Trade Income (NTI) not exceeding S$2,500/month
- Declare income to IRAS
- Make Medisave contributions based on NTI
SEP Payouts
- Paid once annually, instead of quarterly
- Receive combined CPF and cash payout by end Q1 of the following year
This helps ensure fair support for those outside traditional employment.
How WIS Supports Long-Term Retirement Goals
WIS is not just about cash assistance — it’s designed to build a stronger financial future for low-wage workers.
Benefits Beyond Cash
- Boosts CPF savings for retirement, housing, and healthcare
- Encourages regular employment and CPF contributions
- Complements other schemes like Silver Support and Assurance Package
WIS works hand-in-hand with other government support tools to protect the long-term well-being of lower-income workers.
Final Thoughts: Why WIS Matters in 2025
With rising costs and a shifting job landscape, the Workfare Income Supplement Scheme continues to be a critical pillar of social support for vulnerable Singaporeans.
The 2025 enhancements — with up to S$3,267 in annual benefits — reflect the government’s commitment to reward hard work, strengthen financial security, and promote inclusive growth.
For thousands of older and lower-wage workers, WIS means more cash in hand, more CPF savings, and more dignity in their daily efforts.