SNTC Matching Grant Singapore: GOAL+ Guide (2026)

The government will match every dollar you put into your child's SNTC trust account, up to $10,000. On top of that, there's a $5,000 setup grant from Community Chest if you don't have an account yet. That's $15,000 in total government support, and most parents searching for it have never heard the official name.

The programme is called GOAL+ (Gift Of A Lifetime Plus). It was announced in Budget 2025 and operationalised from April 2026. The window closes 31 March 2031. If your per capita household income is at or below $3,600 a month and your child has a verified permanent disability, you likely qualify.

For a fuller picture of how the trust account itself works before diving into the grant, read our guide to how the SNTC trust account works.

What GOAL+ actually is

GOAL+ is a government-funded matching grant administered by SG Enable on behalf of SNTC. It is not the same as the older GOAL scheme, and it is not charity-funded.

When you contribute cash to your child's Special Needs Trust (SNT) account, the government matches each dollar one-for-one, up to $10,000 total. Families who don't yet have an SNT account get an additional $5,000 from Community Chest toward the $5,000 minimum deposit needed to open one.

SG Enable CEO Lee May Gee, writing in the Straits Times in May 2025, described it plainly: "lower- and middle-income families will also benefit from a dollar-for-dollar matching grant of up to $10,000 for top-ups to the SNTC trust accounts, providing even greater support for long-term financial planning."

The programme is not a separate product. You're opening or topping up a standard SNT account. GOAL+ just means the government is matching your contributions during the five-year window.

GOAL vs GOAL+: two different schemes

Parents often conflate these. They're distinct.

If your household income sits between the old GOAL threshold and $3,600, GOAL+ is the scheme that's newly available to you. If it's below the GOAL threshold, you may qualify for both.

Who qualifies for GOAL+

Eligibility has two parts: the person with disability (the beneficiary) and the caregiver (the person applying).

The beneficiary must meet all of these

Approved disability categories:

• Physical disability (must need assistance with at least one of the six Activities of Daily Living: washing, dressing, feeding, toileting, mobility, or transferring)
• Moderate visual impairment or worse in the better eye
• Moderate hearing loss or worse in the better ear
• Intellectual disability
• Autism

A child with autism qualifies regardless of where they sit on the spectrum, as long as the diagnosis is verified by a registered healthcare professional using the DVF. The DVF is the standardised document across MSF disability schemes as of September 2025.

The caregiver must meet all of these

How to calculate your PCHI

PCHI is your total gross household income divided by the number of people living in the household. Gross income includes employment, business, and rental income from all household members. CPF contributions are excluded.

For a household of four (two working parents, one child with disability, one sibling) earning a combined $13,000 per month: $13,000 divided by 4 = $3,250 PCHI. That household qualifies.

If your income fluctuates month to month, SG Enable uses an average. If you're unsure whether you qualify, check via SupportGoWhere (login with Singpass) or call SG Enable directly before completing any paperwork.

How much you'll actually receive

Total government benefit for new applicants: $15,000.

If you already have an SNT account, you're still eligible for the $10,000 matching grant. The $5,000 setup grant applies only to families opening an account for the first time.

Worked example: A family contributes $2,000 per year over five years, total $10,000. The government adds $10,000 in matching. The trust account receives $20,000. The family contributed half.

Another example: A family can only contribute $100 a month. Over five years that's $6,000 contributed, $6,000 matched, $12,000 total in the trust. You don't need to hit $10,000 to benefit. You'll receive matching on whatever you contribute, up to the $10,000 cap.

SG Enable's official guidance is direct on this: "Applicants are strongly encouraged to top up the trust account as soon as practicable." The five-year window means starting later costs you. A family that starts April 2026 has 60 months to spread $10,000 in contributions, roughly $167 a month. A family that starts April 2029 has 24 months to hit the same cap, roughly $417 a month.

GOAL+ vs CPF SNSS: clearing up the confusion

Many parents search "SNTC CPF matching grant." GOAL+ does not apply to CPF. This is the most common misconception, and it matters.

GOAL+ matches cash contributions. You put money from your savings, insurance payouts, or regular income into the SNT trust account. The government matches that cash, dollar for dollar.

CPF savings are handled separately through the CPF Special Needs Savings Scheme (SNSS). Under SNSS, a caregiver nominates a portion of their CPF savings to be paid out monthly to the person with disability after the caregiver's death or loss of mental capacity. SNSS has no income test and is free to set up.

There's also a third scheme that sometimes causes confusion. The Matched Retirement Savings Scheme (MRSS) is administered by CPF Board and matches cash top-ups to the PWD's CPF account (Special Account for those under 55, Retirement Account for those 55 and above), up to $2,000 per year with a lifetime cap of $20,000. MRSS was expanded to include persons with disabilities of all ages from January 2026. It's a CPF matching scheme; GOAL+ is an SNT trust matching scheme. They apply to different pots of money and can be used simultaneously.

For the complete picture of financial support available to families, see our guide to autism and disability financial support in Singapore.

How to apply: step by step

1. 1Check disability verification status. Log in to SupportGoWhere with Singpass. If the person with disability is already verified across MSF systems, their status will show. If the beneficiary is over 21 without Singpass, call Bizlink at 6436 6635 or email msfdisability@bizlink.org.sg.

1. 1Get a Disability Verification Form completed (if not yet verified). The beneficiary's registered healthcare professional, whether a doctor, psychiatrist, paediatrician, or clinical psychologist, must complete the DVF. This is the standardised form across all MSF disability schemes from September 2025.

1. 1Contact SG Enable's Future Care Planning team. Email futurecareplanning@sgenable.sg or call 6278 9598 (9am–6pm, weekdays). A Case Manager will assess eligibility for GOAL+, GOAL, SNSS, and the standard SNT. This consultation is worth doing before completing any paperwork. The Case Manager confirms which schemes apply to your situation and can flag issues early.

1. 1Open the SNT account if you don't have one. The minimum deposit is $5,000. Under GOAL+, eligible families receive $5,000 from Community Chest toward this deposit. Confirm with your Case Manager whether this covers your opening deposit in full, as this is subject to verification.

1. 1Complete and submit the GOAL+ Application Form. Download it from SG Enable's website. Submit with supporting documents by mail to the Future Care Planning Resource Centre (22 Lengkok Bahru, Vista, Enabling Village #03-03, Singapore 159824) or by email to futurecareplanning@sgenable.sg. If emailing, password-protect the form and send the password in a separate email.

1. 1Start contributing and receive matching top-ups. Once approved, each cash contribution to the SNT account triggers a matched top-up from the government. Spread contributions across the five-year window however your household budget allows.

Documents to prepare

Confirm the complete document checklist with SG Enable at the consultation step, as requirements are subject to change.

The five-year window closes 31 March 2031. A family starting today has five years to spread $10,000 in contributions and receive $10,000 back. A family starting in 2030 has roughly 12 months to do the same.

The first step is a 10-minute call. Contact SG Enable's Future Care Planning team at 6278 9598 or email futurecareplanning@sgenable.sg. They'll confirm your eligibility, walk through the scheme combinations that apply to your situation, and tell you what documents to prepare.