CPF Medisave Changes in 2026

CPF Basic Healthcare Sum to rise to $79,000 for those under 65 from Jan 1

https://www.straitstimes.com/singapore/cpf-basic-healthcare-sum-to-rise-to-79000-for-those-under-65-from-jan-1

Starting today 1st Jan 2026, your Medisave Account (MA) limit is raised from $75,500 to $79,000. This means you can do a immediate top up of $3,500 based on self CPF top up (up to $8,000 a year) before your salary credit CPF in and bring your MA closer to the limit amount. Earning you an interest of 4% in MA.

If you have reach or about to reach your Full Retirement Sum (FRS) in in your Special Account (SA), you won't be able to top up your SA with the full allowed amount of $8,000.

This is your opportunity to top up your MA using your remaining allowed amount for income relief.

Why not do it end of the year? 

Cos CPF interest is incurred monthly, you lost out on interest doing it at the end of the year. Unless you have a higher interest in earning above 4% on that amount before the self top up.

 

CPFB | How is my CPF interest computed and credited into my accounts? https://share.google/0nBrbEtyMWlzRM4Ue

CPFB | Earning CPF interest https://share.google/uTzvYziFoFNzqABz0

What happen when my CPF is credited when my MA has already reached it's limit?

Any amount over the limit of MA, will be credited into your OA.

Reference