If you’re working hard but earning a modest income in Singapore, you might be eligible for the $3,267 Workfare Income Supplement (WIS) in 2025. This government scheme is designed to support lower-income workers by topping up their income and boosting their CPF (Central Provident Fund) savings. Whether you’re a young worker just starting out or a seasoned professional in a lower-income role, understanding how to qualify and maximize this benefit is essential.
In this article, we’ll break down everything you need to know about Singapore’s Workfare Income Supplement (WIS)—from eligibility criteria and payout details to application procedures and key tips. By the end, you’ll feel confident about checking your eligibility and securing your rightful benefits.
Workfare Income Supplement (WIS) 2025
| Feature | Details |
|---|---|
| Maximum Annual Payout (2025) | Up to SGD 3,267 |
| Target Group | Singapore Citizens aged 30+ (inclusive of Persons with Disabilities, PWDs aged 13+), earning low wages |
| Employment Criteria | Employed or self-employed individuals meeting income limits |
| Monthly Income Ceiling | SGD 2,500 |
| CPF Contributions Required | Yes, for employed and self-employed individuals |
| Payment Frequency | Quarterly (4 payments per year) |
| Official Website | Workfare Website |
| Professional Insight | Helps build CPF savings, encourages continuous employment, supports long-term financial stability |
The $3,267 Workfare Income Supplement (WIS) in 2025 is an excellent initiative that not only boosts income but also secures long-term retirement savings. Whether you’re a young worker, seasoned professional, or self-employed, it’s crucial to understand the eligibility criteria and take proactive steps to maximize your benefits. With automatic assessments for employed workers and simple steps for self-employed persons, there’s no reason not to take full advantage of this scheme.
For more information or to check your eligibility, visit the official Workfare Website.
What is the Workfare Income Supplement (WIS)?
The Workfare Income Supplement (WIS) is a government initiative by Singapore’s Ministry of Manpower (MOM) aimed at uplifting lower-income Singaporean workers. Introduced in 2007, it rewards individuals who are gainfully employed but earn modest wages, ensuring they have financial support while also boosting their retirement savings through CPF.
The 2025 Workfare Income Supplement has been enhanced to offer eligible individuals up to SGD 3,267 annually, providing both cash payouts and CPF contributions.
Why Was the WIS Introduced?
Singapore’s WIS addresses two key concerns:
- Income inequality and social mobility – By offering financial assistance to lower-income workers.
- Encouraging employment and CPF savings – Helping Singaporeans secure a stronger retirement foundation.
The government’s commitment to supporting vulnerable workers not only improves living standards but also ensures long-term financial security.
How Much Can You Receive Under WIS in 2025?
The maximum payout for 2025 is SGD 3,267 annually. This amount is split between cash payments (40%) and CPF contributions (60%) to help build your retirement nest egg.
Here’s how it works:
- Employed Workers: Payments are based on monthly income and age, with higher payouts for older workers.
- Self-Employed Persons (SEPs): Must contribute to MediSave and meet income criteria.
Example:
A 55-year-old Singaporean citizen earning SGD 1,800 per month as a full-time employee could receive close to the maximum WIS payout.
Who Qualifies for the WIS in 2025?
Basic Eligibility Criteria:
- Citizenship: Must be a Singapore Citizen.
- Age:
- 30 years and above (inclusive of the year of birth).
- PWDs (Persons with Disabilities) can qualify from 13 years old.
- Employment Status:
- Employed individuals with CPF contributions.
- Self-employed individuals who make required MediSave contributions.
- Monthly Income: Must not exceed SGD 2,500.
- Annual Assessable Income (AI): Less than SGD 40,000 for the preceding year.
- Property Ownership: Must not own more than one property.
- Household Income: Household monthly income per person must be below SGD 2,300.
How Are WIS Payments Made?
For Employed Individuals:
- CPF Payments: 60% credited to CPF accounts.
- Cash Payments: 40% paid directly to the individual’s bank account or via GIRO.
For Self-Employed Individuals:
- Payments made after declaring income to IRAS and MediSave contributions are up to date.
Step-by-Step Guide: How to Apply for the Workfare Income Supplement (WIS)
Step 1: Ensure Your CPF and MediSave Contributions Are Updated
For employees, your employer should be making regular CPF contributions.
For self-employed persons, make sure:
- Your MediSave contributions are up to date.
- You declare your income via IRAS’ e-Services.
Step 2: No Application Needed for Employed Workers
If you’re employed, WIS is automatically assessed based on CPF contributions and IRAS records. You don’t need to apply separately.
Step 3: Self-Employed? Declare Income Promptly
Self-employed individuals should declare their income early in the year (preferably by March 31st) to receive quarterly WIS payments promptly.
Step 4: Track Your WIS Payments
Monitor your WIS payment status through:
- Workfare Website Payment Tracker
- CPF Mobile App (available on iOS & Android)
Practical Tips to Maximize Your WIS Benefits
- Maintain Consistent Employment: Regular CPF contributions help secure your eligibility.
- Keep MediSave Contributions Current: Especially crucial for self-employed individuals.
- Avoid Gaps in Employment: Gaps can impact quarterly assessments.
- Check Your Income Ceiling: Ensure your monthly income stays below SGD 2,500 to qualify.
How WIS Supports Professional Growth
While WIS primarily targets lower-income workers, it indirectly encourages continuous upskilling and professional growth. Here’s how:
- Stable Income: Allows workers to focus on developing skills without immediate financial stress.
- CPF Savings Growth: Helps build long-term retirement security.
- Incentivizes Employment: Supports the workforce, reducing unemployment.
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Frequently Asked Questions (FAQs)
1. Do I need to apply for the Workfare Income Supplement every year?
No. For employed workers, WIS assessments are done automatically based on CPF records. Self-employed individuals need to declare income annually.
2. What happens if my income exceeds SGD 2,500 in a particular month?
You may still qualify if your average income across the year remains below the SGD 2,500 threshold.
3. Can PRs (Permanent Residents) apply for WIS?
No. WIS is strictly for Singapore Citizens.
4. How do I check my WIS payment status?
Use the Workfare Payment Tracker on the official website or the CPF Mobile App.
5. What is the difference between WIS and Silver Support Scheme?
While WIS targets working individuals with lower incomes, Silver Support provides additional support to lower-income elderly Singaporeans who are retired.
