$760 Cost-of-Living Payment April 2025: With inflation, GST hikes, and rising utility prices putting extra pressure on Singaporean households, 2025 brings welcome news. Under the enhanced Assurance Package announced in Budget 2025, the government is rolling out a series of financial support measures to ease the cost burden. At the heart of this is the $760 Cost of Living Payment, a structured rebate scheme targeting utility bills for eligible households across the country.
The rebates, combined with CDC vouchers, are part of a broader $1.2 billion support package that aims to deliver regular and meaningful assistance to residents, particularly those living in HDB flats. This article explains how the scheme works, who qualifies, and how much you can expect to receive throughout the year.
$760 Cost of Living Payment
The $760 Cost of Living Payment is a utility rebate initiative under Singapore’s 2025 Assurance Package. This payment is designed to directly lower the burden of living expenses for eligible households in Housing & Development Board (HDB) flats. The total rebate, paid in quarterly installments, is calculated based on flat type, ensuring those in smaller homes receive the most support.
In addition to the U-Save utility rebates, households will also receive CDC (Community Development Council) vouchers worth up to $800, redeemable at local hawkers, supermarkets, and shops. Together, these measures are set to provide a steady stream of assistance throughout the year.
Overview Table: $760 Cost of Living Payment 2025
| Program Name | $760 Cost of Living Payment – U-Save Rebate |
| Country | Singapore |
| Year | 2025–2026 |
| Total Rebate (1–2 room HDB) | Up to $760 |
| Eligibility | HDB households with at least one Singaporean member |
| Property Ownership | Household must not own more than one property |
| Payment Method | Credited directly to SP Services utility accounts |
| Payment Frequency | Quarterly: Apr, Jul, Oct 2025, and Jan 2026 |
| Additional Support | $800 CDC Vouchers (May 2025 and Jan 2026) |
Singapore $760 COL Rebates: Key Highlights
Announced by Prime Minister and Finance Minister Mr. Lawrence Wong as part of Budget 2025, the Assurance Package enhancement allocates a generous boost to utility rebates and cash-like support. The goal is to help Singaporean households manage increased costs due to rising carbon tax, water prices, and everyday living expenses.
The $760 figure represents the maximum rebate a household can receive if they live in a 1- or 2-room flat. Larger flat types will receive slightly lower amounts on a tiered basis.
Detailed U-Save Rebates Breakdown for 2025
| HDB Flat Type | Apr 2025 | Jul 2025 | Oct 2025 | Jan 2026 | Total (FY2025) |
| 1- and 2-room flats | $190 | $190 | $190 | $190 | $760 |
| 3-room flats | $170 | $170 | $170 | $170 | $680 |
| 4-room flats | $150 | $150 | $150 | $150 | $600 |
| 5-room flats | $130 | $130 | $130 | $130 | $520 |
| Executive/Multi-gen | $110 | $110 | $110 | $110 | $440 |
These figures combine the regular GSTV – U-Save, the Assurance Package U-Save, and the Budget 2025 COL U-Save components.
Structure of the Rebate
The $760 Cost of Living Payment is structured across three components:
- GST Voucher (GSTV) – U-Save:
- Quarterly rebates
- Between $220 to $380 annually
- Quarterly rebates
- Assurance Package U-Save:
- Additional support of $330 to $570 per year
- Paid alongside the GSTV component
- Additional support of $330 to $570 per year
- Budget 2025 COL U-Save:
- New support of $110 to $190
- Includes an extra $20 per quarter until October 2026 to offset increases in carbon tax and water costs
- New support of $110 to $190
These layers of support are automatically combined into your utility bill rebates and credited without requiring action from recipients.
CDC Voucher Disbursement
In addition to utility rebates, households will receive CDC Vouchers under the same initiative:
- May 2025: $500 (valid until Dec 2025)
- January 2026: $300 (valid until Dec 2026)
These vouchers can be used at participating:
- Hawker centres
- Local merchants
- Supermarkets and neighbourhood shops
This gives families the flexibility to cover a wide range of daily necessities.
Who Is Eligible?
To qualify for the $760 Cost of Living Payment, you must meet the following criteria:
- Live in an HDB flat (1- to Executive-size units)
- Not own more than one property
- Have at least one Singaporean in the household (as owner, occupier, or tenant)
No separate application is required. If you meet the eligibility conditions, rebates will be automatically credited to your utility account managed by SP Services Limited.
When Will the Payments Be Made?
The U-Save rebates will be distributed quarterly in the following months:
- April 2025
- July 2025
- October 2025
- January 2026
Each installment includes a blend of GSTV, Assurance Package U-Save, and Budget 2025 COL U-Save. The rebates go directly into utility accounts, helping to lower monthly electricity and water bills throughout the year.
What If You Live in a Larger HDB Flat?
Rebate amounts are tiered based on your HDB flat type:
- 5-room flats can receive up to $520
- Executive and multi-generational flats receive up to $440
Although these households receive less than smaller flat residents, the support still makes a meaningful contribution toward managing rising household costs.
Why This Support Matters in 2025
The $760 Cost of Living Payment plays a critical role in shielding households from the cumulative impact of inflation, rising energy prices, and tax adjustments. With water and carbon taxes set to rise, these rebates and vouchers ensure that core living costs remain manageable, especially for lower- and middle-income families.
Moreover, the direct nature of the rebates—credited straight to utility accounts—helps reduce administrative delays and maximizes impact. The CDC vouchers add a layer of flexibility, allowing households to spend on food and everyday items where it matters most.
Conclusion
In the face of economic shifts and increased living costs, the Singapore Government’s $760 Cost of Living Payment in 2025 stands as a timely and impactful form of relief. By providing quarterly utility rebates and up to $800 in CDC vouchers, the initiative supports households where it’s needed most.
If you’re a resident of an HDB flat, check that your household details with SP Services are up to date and ensure your eligibility status is met. With automatic crediting and structured disbursements, this support will go a long way in making 2025 more financially manageable for many Singaporeans.
FAQs
Q1: Who is eligible for the $760 Cost-of-Living Payment in 2025?
Households living in HDB flats with at least one Singaporean and who do not own more than one property.
Q2: Do I need to apply for the U-Save rebate?
No, eligible households will receive it automatically via SP Services.
Q3: When are the payments made?
Rebates are distributed quarterly in April, July, October 2025, and January 2026.
Q4: Can I receive both U-Save rebates and CDC vouchers?
Yes, if you qualify, you’ll receive both types of support.
Q5: What can CDC vouchers be used for?
They can be spent at hawker centres, supermarkets, and participating local merchants.
