🎓 Education Planning

How much will university really cost?

Project your child's local or overseas degree, and see exactly what to save every month.

Your Child & Your Goal
Pick a destination, then fine-tune the numbers
University Destination sets typical cost & duration
Expected Annual Cost tuition + living, today's SGD
Course Duration years of study
Child's Current Age
University Start Age typically 19 in Singapore
Education Inflation RateiHow fast university fees rise each year. SG uni fees have historically risen 4–6%, faster than general inflation. % per year · SG uni fees historically rise 4–6%
Expected Investment ReturniYour average yearly return before inflation. A balanced mix of stocks and bonds has historically returned 5–7% per year. % per year · balanced portfolio historical avg 5–7%
✦ Optional: money already set aside
Current Education Savings already saved for this goal
⚠️ Check your ages: University start age must be higher than your child's current age.
Your Education Number
Total Projected Cost of Degree
$0
For Local (Citizen) · 4-year degree · starting at age 19
 
Future Year-1 Cost
$0
First year's bill in future dollars
Required at Uni StartiThe amount you need saved on day one of uni. It's less than the total cost because unspent money keeps earning while your child studies.
$0
Lump sum needed when uni begins
Years Until Uni
0 yrs
Time to build the fund
Return After InflationiYour investment return minus education inflation. That's how much your savings actually grow faster than fees rise.
0.00%
What your savings really grow by each year
💰
Monthly Savings Target
What you need to set aside every month from today
$0
 
Save this amount monthly from now until your child starts university.
Education Readiness Score
0%
Based on your current savings growing at your expected return rate.
🟠 Behind
ℹ️

This is an approximation. Cost estimates use 2026 figures for typical universities and assume current FX rates; actual fees vary by institution, course, scholarship eligibility, and currency movements. Always speak with a licensed financial adviser before making education-funding decisions.

Singapore family benchmarks

University Costs at a Glance

Annual cost estimates (tuition + living) based on 2026 figures for typical Singapore-bound students. Click any card to load it into the calculator above.

🇸🇬
Local
(Citizen)
$14K / yr
4 years · NUS/NTU/SMU
🇸🇬
Local
(PR)
$18K / yr
4 years · PR tuition tier
🏫
SG Private
Uni
$24K / yr
3 years · SIM/SUSS/JCU
🇦🇺
Australia
$80K / yr
3 years · G8 universities
🇬🇧
United
Kingdom
$68K / yr
3 years · Russell Group
🇺🇸
US
(Private)
$105K / yr
4 years · mid-tier private

Your education fund journey

From Savings to Graduation

See how your savings build up, peak when your child enters university, then draw down each year as tuition is paid, and how much of the final pot comes from compounding.

You Contribute
$0
Total out of pocket before uni starts
+
Compounding Adds
$0
Earned by your investments
=
Fund at Uni Start
$0
Your child's education fund on day one

Understanding your results

What do these numbers mean?

🎯
Total Projected Cost
This is what the entire degree will cost in future dollars, adding up every year of tuition and living expenses inflated to when they'll actually be paid. It's the sticker price your child will face, not today's numbers.
📈
Why Education Inflates Faster
Education costs in Singapore and abroad have historically risen 4–6% per year, faster than general CPI. Tuition hikes, living costs, and currency moves compound the problem. That's why the longer you wait, the bigger the gap becomes.
💡
Required vs Total
You don't need the full total on day one. Unspent tuition keeps earning returns while your child studies, so the "Required at Uni Start" figure is lower than the total cost. That's the true savings target.

Singapore parent's playbook

Smart Ways to Fund Your Child's Degree

⏰
Start at Birth, Not at Secondary School
A parent saving from their child's first birthday needs roughly half the monthly contribution of a parent starting when their child enters Sec 1. With 18 years of compounding, time does most of the heavy lifting.
🛡️
Protect the Plan with Insurance
The biggest risk to your child's education isn't market volatility. It's losing the parent who funds it. Education endowments and investment-linked plans can include a waiver-of-premium benefit so the plan continues regardless.
🏦
Use CDA, PSEA & Edusave
Singapore offers real head-starts: the CDA (Child Development Account) with government co-matching, PSEA and Edusave for school fees, and the Supplementary Retirement Scheme for tax-efficient long-term growth. Maximise every dollar of free money before putting your own in.

Build a Bulletproof Plan for Your Child's Future

Our advisers will compare endowments, investment-linked plans, and unit trusts across every provider in Singapore, and build you a funded, protected plan that actually reaches your number.

📅 Book a Free Consultation Try the Retirement Calculator →