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Ref: SEC · IRAS / MOM · reviewed 05 Jul 2026

Senior Employment Credit

The government pays you back a slice of the wages of every older Singaporean on your payroll, automatically. If you employ Singapore Citizens aged 60 and above earning up to S$4,000 a month, you receive a wage offset without lifting a finger.

Up to 2% of wages (age 60-64), up to 4% (age 65-68), up to 7% (age 69 and above) in 2026; extended at Budget 2026 to cover wages paid up to 31 Dec 2027 funded

7% of monthly wages per eligible senior worker (wages up to S$4,000/month qualify)

Who qualifies

  • ✓Any employer with Singapore Citizen employees aged 60 or above
  • ✓Employees must earn up to S$4,000 a month
  • ✓CPF contributions must be made for those employees
  • ✓No application needed - IRAS assesses you automatically from CPF records

What it pays for

  • A percentage wage offset on every qualifying senior worker's pay
  • Higher tiers for older workers (top 7% tier now starts at age 69, in line with the raised re-employment age)
  • Paired with the CPF Transition Offset, which separately covers half of the 2026/2027 increase in senior-worker employer CPF rates
  • Cash paid straight to your GIRO or PayNow Corporate account

How to apply

Automatic payouts roughly every March and September; scheme currently runs until 31 December 2027

  1. 1Nothing to apply - eligibility is worked out from your CPF contribution records
  2. 2Make sure your company has GIRO with IRAS or PayNow Corporate linked to your UEN
  3. 3Receive payouts twice a year (e.g. the 2026 payout landed from 31 Mar 2026)
  4. 4Check your payout breakdown at myTax Portal under SEC/EEC/CTO digital services

Advisor's note

This is free money you may already be receiving without realising it - check myTax Portal. But do not build long-term salary budgets on it: it is renewed one year at a time and MOM's Tripartite Workgroup review could change the rates after 2027.

Planning a digitalisation or overseas-expansion project? From 30 September 2026 those run under the EDGE grant, which replaced the EDG grant, PSG grant and MRA grant. Our team delivers EDGE projects end to end.

Common questions

How much does the SEC cover?

Up to 2% of wages (age 60-64), up to 4% (age 65-68), up to 7% (age 69 and above) in 2026; extended at Budget 2026 to cover wages paid up to 31 Dec 2027, 7% of monthly wages per eligible senior worker (wages up to S$4,000/month qualify). The government pays you back a slice of the wages of every older Singaporean on your payroll, automatically. If you employ Singapore Citizens aged 60 and above earning up to S$4,000 a month, you receive a wage offset without lifting a finger.

Who is eligible for the SEC?

Any employer with Singapore Citizen employees aged 60 or above Employees must earn up to S$4,000 a month CPF contributions must be made for those employees No application needed - IRAS assesses you automatically from CPF records

What does the SEC pay for?

A percentage wage offset on every qualifying senior worker's pay Higher tiers for older workers (top 7% tier now starts at age 69, in line with the raised re-employment age) Paired with the CPF Transition Offset, which separately covers half of the 2026/2027 increase in senior-worker employer CPF rates Cash paid straight to your GIRO or PayNow Corporate account

How do I apply for the SEC?

1. Nothing to apply - eligibility is worked out from your CPF contribution records 2. Make sure your company has GIRO with IRAS or PayNow Corporate linked to your UEN 3. Receive payouts twice a year (e.g. the 2026 payout landed from 31 Mar 2026) 4. Check your payout breakdown at myTax Portal under SEC/EEC/CTO digital services

How long does the SEC take?

Automatic payouts roughly every March and September; scheme currently runs until 31 December 2027

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