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Education planning

What will your child’s education actually cost?

Official 2026 fees for every local university — NUS, NTU, SMU, SUTD, SIT, SUSS, programme by programme — plus polytechnics, ITE, overseas routes and MOE school fees, at your residency tier. See the cost in future dollars and the monthly saving that actually funds it.

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Tuition is the official subsidised (Tuition Grant) rate for your residency from each institution’s published 2026 fee schedule, plus a modeled S$5,770/yr for non-tuition spend. Costs inflate at 3%/yr; savings grow at a 4% planning return. Typical-degree figures use the published NUS/NTU-level rates. Advisers see the full database — every local university programme-by-programme (NUS, NTU, SMU, SUTD, SIT, SUSS, SIM) — in AdvisorOS.

Local university — typical degree — cost at age 19S$90,313

4 years × S$14,070/yr (S$8,300 tuition + S$5,770 living) in today’s money, inflated over 16 years

Cost in today’s moneyS$56,280
Projected fund at 19S$99,232
GapS$0
On track for this pathwayYour current saving covers this plan on these assumptions. The bigger risk is the plan itself — the pathway, the residency tier and whether the fund survives if the saving parent’s income stops.

Tuition figures are from official 2026 fee schedules (NUS, NTU, SMU, SUTD, SIT, SUSS, the polytechnics, ITE and MOE) at the subsidised Tuition Grant rate for each residency tier; institutions revise fees by cohort every year, and non-tuition spend is a modeled planning figure, not a fee. Overseas costs are ballparks that swing with currency. Not advice — the full adviser planner models JC-vs-poly routes, spend levels, safety margins and parent protection. Confirm fees on each institution’s official page.

The pathway costs more than the degree

Free and no obligation — an adviser can help you:

  • Plan the whole journey from Secondary 1 — the pre-university years cost real money too
  • Layer subsidies and financing first: MOE Tuition Grant, Edusave, PSEA, CPF education loans
  • Protect the plan itself — if the saving parent's income stops, the education goal shouldn't collapse with it
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