Life stage costs
From the moment you conceive to the day they graduate — all costs in SGD, excluding housing mortgage.
Standard: neighbourhood childcare · CC enrichment · hawker food · public transportPremium: private childcare · private lessons · restaurants · car/taxiMortgage not included in either — see Salary Planner for housing costs
Maternity care (pregnancy & birth)
Affects the first life stage only. Illustrative cash planning figures (not net of MediSave or insurance).
Total (pregnancy to grad)
$244K
Over 22 years
Monthly average
$924
Varies hugely by stage
Priciest stage
University
$60K over 4 yrs
After gov grants (est.)
$216K
Grants offset ~$28K
Cost breakdown by stage
Cumulative spend over 22 years
Pregnancy & birth
Before birth • 1 yr
$12K
$1K/mo avg
Infant & toddler
Age 0–3 • 3 yrs
$36K
$1K/mo avg
Preschool & kindergarten
Age 3–6 • 3 yrs
$24K
$667/mo avg
Primary school
Age 6–12 • 6 yrs
$48K
$667/mo avg
Secondary school
Age 12–16 • 4 yrs
$40K
$833/mo avg
JC / Polytechnic
Age 16–18 • 2 yrs
$24K
$1K/mo avg
University
Age 18–22 • 4 yrs
$60K
$1K/mo avg
* Costs cover: medical, childcare, education, enrichment, food, transport, clothing, and lifestyle — but not home mortgage. Standard vs Premium reflects spending pattern (childcare type, enrichment level, food, transport), not housing tenure. Mortgage is accounted for separately in the Salary Planner. Public vs private maternity only changes pregnancy & birth; other stages are unchanged. Figures are estimates based on Singapore average costs.