In April 2025, Singapore’s Workfare Income Supplement (WIS) remains one of the most impactful government schemes aimed at supporting lower-income citizens. With a maximum benefit of SGD 3,267 per year, WIS provides both financial aid and CPF contributions to help build long-term retirement savings. Whether you’re employed or self-employed, understanding how to qualify and make the most of this support can significantly benefit your financial journey.
What is the Workfare Income Supplement (WIS)?
The WIS is a government initiative from Singapore’s Ministry of Manpower, introduced in 2007. It aims to support working Singaporeans who earn modest incomes, by topping up their wages and contributing to their CPF. The program improves retirement readiness while providing immediate cash relief.
Why Was WIS Introduced?
WIS serves two key purposes:
- To address income inequality and promote social mobility
- To encourage consistent employment and regular CPF savings for long-term financial health
How Much Can You Receive in 2025?
The maximum payout under WIS in 2025 is SGD 3,267 annually. This payout is distributed as:
- 60% to CPF accounts
- 40% as direct cash payments to the individual’s bank account
Example: A 55-year-old worker earning SGD 1,800 monthly could be eligible for nearly the full payout, depending on employment and contribution history.
Who Qualifies for WIS in 2025?
To be eligible for WIS in 2025, individuals must:
- Be a Singapore Citizen
- Be 30 years or older (13+ for Persons with Disabilities)
- Have a monthly income not exceeding SGD 2,500
- Have annual assessable income below SGD 40,000
- Own no more than one property
- Have a household monthly income per person under SGD 2,300
- Be either:
- Employed with CPF contributions
- Self-employed with declared income and MediSave contributions
How Are Payments Made?
For Employed Individuals:
- WIS is assessed automatically via CPF contributions
- 60% goes to CPF, 40% is paid in cash quarterly
For Self-Employed Persons:
- Must declare income with IRAS and contribute to MediSave
- Payments are made after declaration and contribution verification
Step-by-Step: How to Get the WIS
- Update CPF & MediSave Contributions: Ensure timely payments are made—employers handle this for salaried workers; self-employed must do it themselves
- Automatic Assessment for Employees: No application needed
- Self-Employed? Declare Early: File income declarations via IRAS by March 31 for timely disbursal
- Track Payments: Use the Workfare Website or CPF Mobile App to monitor payment dates and amounts
Tips to Maximize WIS Benefits
- Maintain consistent employment throughout the year
- Keep CPF and MediSave contributions up to date
- Ensure income remains within eligibility limits
- Avoid gaps in work that might disrupt quarterly payment eligibility
How WIS Encourages Long-Term Growth
Beyond short-term assistance, WIS supports professional development and long-term security by:
- Encouraging continuous employment
- Building CPF savings for retirement
- Reducing the need for immediate financial aid through better planning
FAQs
Do I need to apply for WIS every year?
No. If you’re employed, your eligibility is checked automatically. Only self-employed persons must declare income yearly.
Can Permanent Residents receive WIS?
No. The WIS scheme is only for Singapore Citizens.
What if my income exceeds SGD 2,500 occasionally?
You may still qualify as long as your average monthly income remains under the threshold across the assessment period.
How do I know if I’ve received my WIS payment?
You can track your WIS payments using the Workfare Payment Tracker or the CPF Mobile App.
How is WIS different from the Silver Support Scheme?
WIS supports low-income workers, while the Silver Support Scheme offers additional financial help to elderly citizens who are retired.
Conclusion
Singapore’s $3,267 Workfare Income Supplement 2025 provides essential financial backing to those who need it most. With clear eligibility, quarterly payments, and added CPF savings, WIS not only eases present-day financial pressure but also supports future stability. Whether you’re employed or self-employed, staying informed and proactive ensures you don’t miss out on these valuable benefits.
Click here to know more.
Aanchal is a passionate writer with a keen interest in storytelling, content creation, and creative expression. She enjoys exploring diverse topics and crafting engaging narratives that captivate readers.