This year-end money checklist starts with a deadline: the CDC Vouchers expiry date for the January 2026 tranche is 31 December 2026. If some of the S$300 your household received is still unspent, that is worth acting on first. The $500 June 2026 tranche is separate and lasts until 31 December 2027.
Then do a wider check. Work out what support is still coming, what your electricity contract will do when it ends, and which subscriptions renew without you noticing. Five steps, with official dates.
Step 1 of Your Year-End Money Checklist: CDC Vouchers’ Expiry Date
Two CDC Voucher tranches may be in your household’s account. They have different deadlines.
| Tranche | Amount | Valid until |
|---|---|---|
| CDC Vouchers Scheme 2026 (January) | $300 ($150 heartland merchants and hawkers, $150 supermarkets) | 31 December 2026 |
| CDC Vouchers Scheme 2026 (June) | $500 ($250 heartland merchants and hawkers, $250 supermarkets) | 31 December 2027 |
The $500 June 2026 tranche was originally scheduled for January 2027 and was brought forward in April 2026. A separate, new $300 tranche, announced on 29 July 2026, is due in January 2027 (see Step 2).
A sensible way to use them: put the expiring January vouchers towards spending you would do anyway, such as weekly groceries or hawker meals. Buying extra just to use them up only moves the spending forward.
One member of the household claims the vouchers with Singpass through the official link, go.gov.sg/cdcv. Participating merchants are listed on the official CDC Vouchers site.
The short version: Spend the January 2026 CDC Vouchers on regular groceries and meals before 31 December. Then check your power contract’s renewal date, and cancel subscriptions you would not sign up for again today.
Step 2: Note the Support Still Coming
Most of these need no action from you. Knowing about them helps you plan the next few months. All amounts below are from the official Budget website:
- Assurance Package cash: $100 to $250 in December 2026 for Singapore citizens living in Singapore who are 21 or older, depending on income and how many properties they own.
- New CDC Vouchers: $300 per Singaporean household in January 2027 ($150 for heartland merchants and hawkers, $150 for supermarkets). This was announced on 29 July 2026 as part of a second support package. At the time of writing (November 2026), the exact disbursement date and how long these vouchers stay valid had not been announced; check vouchers.cdc.gov.sg.
- U-Save: eligible HDB households receive extra U-Save in October 2026 and January 2027, credited automatically to the SP Services utilities account.
U-Save credits go straight to your utilities account and are used against your bill. They are not paid out as cash, so your bill can look lower than your real usage. If you are tracking usage, check the kWh and cubic metres on the bill, not just the dollar total.
The Budget site also carries a reminder worth repeating: government officials will never ask you to transfer money or give out bank log-in details over the phone. If you are unsure about a message about payouts, call the ScamShield Helpline on 1799.
Step 3: Check Your Electricity Contract
You do not have to leave SP Group’s regulated tariff. The Open Electricity Market site says switching to a retailer is not compulsory and there is no deadline to switch. The regulated tariff is reviewed every quarter.
If you have already signed with a retailer, find your contract end date. The official rules on what happens when it ends are:
- Contracts renew automatically if you do nothing. The renewed rate must be lower than the regulated tariff in force at the time of renewal. Your other terms carry over unchanged or improve.
- From 19 June 2026, retailers must send two reminders: at least 10 business days before expiry, and again within three calendar days before or on the renewal date. Each reminder goes out through at least two channels, such as email and SMS.
- From 19 June 2026, you can end an auto-renewed contract within the first 60 days without an early termination fee. The window was previously 30 days.
When the reminder arrives, compare the renewed rate with other retailers’ plans on the official price comparison tool before you let it roll over.
Step 4: Audit Subscriptions and Recurring Bills
Recurring charges are where small leaks add up. A practical way to find them:
- Pull three months of card and bank statements and list every recurring charge: streaming, music, cloud storage, apps, gym, news, delivery memberships, insurance premiums and telco bills.
- For each one, ask: would I sign up for this today, at this price? If not, cancel it, or set a reminder for just before the next renewal date.
- Compare monthly with annual billing for the services you keep. Illustration (hypothetical prices): a service costing $15.98 a month is $191.76 a year. If the annual plan is $159.80, that saves $31.96, but only if you are sure you will keep it for the full year.
- Check telco contracts for the end of the lock-in period. Once it ends, you may be paying a plan price set for a bundled phone you have already paid off. Compare your usage with the plans on offer, and read the early termination terms before you change.
- Look for small foreign fees. MAS has explained that some merchants charging in Singapore dollars process payments overseas, which can trigger an international transaction fee on your card. A subscription showing an extra small charge each month may be one of these. Our guide to foreign transaction fees and paying overseas explains how they arise.
Step 5: Stack Support and Rewards Sensibly
Vouchers, rebates and card rewards can work together, but only on spending you had planned anyway.
- Vouchers first for routine spending. CDC Vouchers can only be used at participating merchants, so use them where you already shop. Our guide to saving on groceries has six more habits, with the maths.
- Card rewards on the rest. Where you pay the balance of a bill by card, only the amount charged to the card would normally count for rewards. Check your card’s terms for exclusions. Our guide to cashback vs miles covers how to choose between card types.
- Do not chase spend thresholds. Spending extra to reach a cashback minimum or a voucher top-up is spending, not saving.
What To Do Next
- Check your household’s CDC Voucher balance at go.gov.sg/cdcv, and plan to use the January 2026 tranche before 31 December.
- Use the official Support For You Calculator, linked from the Singapore Budget website, to estimate what your household may receive.
- Note your electricity contract end date, and check plans on the Open Electricity Market site before it renews.
- Set aside 30 minutes with your statements to list and review every recurring charge. Our monthly budget planner can hold what you keep.
- 31 December is also the cut-off for this year’s tax relief on SRS contributions and CPF cash top-ups. Our top-up tax relief calculator estimates the saving.
