GST Voucher 2026 Calculator: How Much and When You Get Paid

Singapore Income Tax Calculator

GST Voucher 2026 Cash Amounts by Annual Value Band

The GST Voucher (GSTV) — Cash for 2026 pays one of two amounts, funded through the fund established under Singapore's GST Voucher Fund Act 2011. If the Annual Value (AV) of your home as at 31 December 2025 is S$21,000 or below, you receive S$850. If the AV is between S$21,001 and S$31,000, you receive S$450. Above S$31,000, no cash payout applies regardless of income. The Ministry of Finance expects about 1.5 million adult Singaporeans to receive the 2026 cash payout, with roughly S$1.4 billion disbursed in August 2026 across GSTV — Cash and the accompanying MediSave top-up for seniors. The payout is per person, not per household, and the income test is individual too. Worked example: a married couple in their thirties live in a 4-room HDB flat with an AV of S$13,000. Each earns under the S$39,000 assessable income cap for Year of Assessment 2025. Both fall in the S$21,000-and-below band, so the household receives S$850 × 2 = S$1,700 in August 2026. If the same couple lived in a condominium with an AV of S$26,000, they would receive S$450 each — S$900 in total, S$800 less. Amounts were confirmed in the Ministry of Finance's July 2026 announcement; parameters are set at each Budget, so verify the current cycle's figures on govbenefits.gov.sg before planning around them.

Eligibility Checklist: The Five Tests

Five tests determine 2026 GSTV — Cash eligibility, all assessed automatically from government records. You must: (1) be a Singapore citizen residing in Singapore; (2) be aged 21 or above in 2026, meaning born in 2005 or earlier; (3) have assessable income for Year of Assessment 2025 — broadly, income earned in 2024 as assessed by IRAS — not exceeding S$39,000; (4) live at an address whose AV as at 31 December 2025 does not exceed S$31,000; and (5) own no more than one property. The S$39,000 income ceiling is the enhanced threshold that replaced the previous S$34,000 cap, and the upper AV band was widened from S$25,000 to S$31,000 in the same round of enhancements — so residents who narrowly missed out in earlier cycles may now qualify. Check your assessable income on your IRAS Notice of Assessment for YA 2025. If you have received a GSTV before, payment is automatic — no action needed beyond keeping your payment details current. First-timers must sign up once via Singpass at govbenefits.gov.sg; the cut-off for inclusion in the August 2026 disbursement is 14 July 2026, per current guidance. Missing that date does not forfeit the payout — later sign-ups are paid in subsequent disbursement cycles — but it does delay the money.

Payout Dates by Payment Method

Your payment method determines when the 2026 cash arrives, per the Ministry of Finance schedule: PayNow linked to NRIC — paid by 7 August 2026, the earliest window; bank crediting, using the bank account you previously registered with the government — by 18 August 2026; and GovCash, for those with neither, withdrawn with a payment reference at OCBC ATMs — by 25 August 2026. To land in the earliest window, link your PayNow to your NRIC (not just to a mobile number) at your bank by 28 July 2026, per current guidance. The GSTV — MediSave top-up for seniors follows its own track and is credited to CPF MediSave accounts by 11 August 2026 — disbursement begins 7 August 2026 and completes by 11 August 2026, per MOF and govbenefits.gov.sg. Worked example of a single family's timeline: Mei linked PayNow to her NRIC in July, so her S$850 arrives by 7 August. Her father never set up PayNow but has a bank account on file from a previous payout — his S$450 credits by 18 August. Her grandmother uses neither, so her payout is available through GovCash by 25 August, and her S$350 MediSave top-up lands separately by 11 August. You can confirm your payment status and method on govbenefits.gov.sg or the LifeSG app once disbursement begins. Exact crediting days within each window are staggered, so allow the full published window before troubleshooting.

How Annual Value Works: HDB vs Condo Examples

Annual Value is IRAS's estimate of the gross annual rent your home could fetch if rented out, excluding furniture, furnishings and maintenance fees, assessed under Singapore's Property Tax Act 1960. For the GSTV, what counts is the AV — as at 31 December 2025 — of the home at your registered NRIC address. You do not need to own it: a renter, or an adult child living with parents, is banded by that home's AV, provided they own no more than one property themselves. Illustrative examples (always check your actual AV): most HDB flats sit comfortably in the S$21,000-and-below band — a typical 4-room flat with an AV around S$13,200 qualifies for S$850. Mass-market condominiums often fall in the second band — an AV of S$25,800 qualifies for S$450, i.e. S$400 less. A high-end condominium with an AV of S$36,000 exceeds the S$31,000 ceiling, so no cash payout applies however low the occupant's income. Where to check: property owners can view their own property's AV free of charge at IRAS myTax Portal under their property dashboard. Non-owners can rely on the govbenefits.gov.sg eligibility checker, which reflects the AV band applied to them. Note that IRAS reviews AVs annually to track market rents, so a revision can move a household between bands — or out of eligibility — from one GSTV cycle to the next.

GSTV — MediSave for Seniors 65 and Above

Singaporeans aged 65 and above in 2026 receive a second component: GSTV — MediSave, a top-up credited directly to their CPF MediSave account. The Ministry of Finance expects about 710,000 seniors to benefit in 2026. There is no income test for this component; the amount depends only on age band and the AV of the senior's home as at 31 December 2025, alongside the usual citizenship, residence and own-no-more-than-one-property rules. The 2026 matrix: for homes with AV up to S$21,000 — ages 65 to 74 receive S$250, ages 75 to 84 receive S$350, and ages 85 and above receive S$450. For homes with AV between S$21,001 and S$31,000 — the same age bands receive S$150, S$250 and S$350 respectively. MediSave top-ups are credited by 11 August 2026, automatically for anyone who has previously enrolled in a GSTV component; first-timers use the same one-off govbenefits.gov.sg sign-up as the cash payout. The two components stack. Worked example: a 78-year-old retiree with assessable income of S$9,000 lives in a flat with an AV of S$13,000. She receives S$850 in cash (AV band one, income under S$39,000) plus S$350 in MediSave (age 75-84, AV band one) — S$1,200 in total support in August 2026. The MediSave portion can pay approved premiums and medical bills but cannot be withdrawn as cash.

Didn't Receive It? Troubleshooting Steps

If nothing has arrived by late August 2026, work through the causes in order. First, timing: bank crediting runs to 18 August and GovCash to 25 August, and days within each window are staggered — so a payout that has not appeared by 8 August may simply be on a slower method. Second, check your status with Singpass at govbenefits.gov.sg, which shows whether you were assessed as eligible and which payment route was used. The common disqualifiers are: assessable income above S$39,000 in YA 2025, your home's AV crossing a band edge in the 31 December 2025 assessment, or ownership of more than one property. Third, sign-up status: previous GSTV recipients are paid automatically, but first-timers who missed the 14 July 2026 cut-off are moved to a later disbursement cycle rather than losing the payout — sign-up remains open afterwards, per current guidance. Fourth, payment plumbing: if your PayNow is linked only to a mobile number, or your registered bank account is closed, the payment falls back to a slower route or to GovCash. Fifth, an outdated NRIC address can band you against the wrong property's AV — update it, then contact the GSTV support channels listed on govbenefits.gov.sg. Finally, beware scams: government payouts are never claimed by clicking links in SMS or WhatsApp messages. Go directly to govbenefits.gov.sg rather than responding to any 'claim your GST Voucher' message.