Quick Answer
It depends on your child’s age, the education path and the inflation and returns you assume. For a two-year-old on the model’s local-school path, this example needs S$709 a month (rounded up). It is not a quote for real school fees. It assumes S$10,000 already saved, 4% education-cost inflation and a 3% yearly return.
The Useful Number: For a two-year-old on the model’s local-school path, this example needs S$709 a month (rounded up). It is not a quote for real school fees.
What Does The Education Model Assume?
The local path assumes six school years at S$4,000 each from ages 7–12, six at S$6,000 from 13–18 and four university years at S$15,000 from 19–22. These are the site’s example all-in budgets for fees and related costs, not Ministry of Education (MOE) fee schedules.
You can edit any yearly cost under Edit Yearly School Costs. The overseas and international-school paths use other figures, not a specific school or country. School routes, citizenship-based fees, financial aid and National Service can change the amounts and the dates.
- Ages 7–12: Six Years: S$24,000
- Ages 13–18: Six Years: S$36,000
- University, 19–22: Four Years: S$60,000
- Costs Left For A Two-Year-Old: S$120,000
Data as of . Source: MOE — School Fees And Fee Checker.
How Much Does A Two-Year-Old’s Local Path Need Each Month?
Assume S$10,000 already saved, 4% yearly education-cost inflation, a 3% yearly return and S$500 saved a month now.
The S$120,000 of costs left becomes S$217,622 after inflation, paid in different future years, not a lump sum you need today. The tool finds one steady monthly amount that keeps the fund from going below zero as each yearly bill arrives: S$708.44, about S$208.44 more than now. Rounding up to S$709 allows for rounding, not forecasting errors.
Try Your Numbers
Your Child’s Monthly Education Saving
Uses the local path and the site’s example yearly costs, not MOE fees. If a bill is due now, the amount assumes you pay that first.
Monthly Saving Needed
S$709/mth
- Costs Left, In Today’s Dollars
- S$120,000
- Total Future Payments After Inflation
- S$217,622
Rough estimate. See the full tool for assumptions.
Why Does Timing Matter As Much As The Total?
If your child is already in a school stage, the first yearly bill is due now, and the calculator shows any cash you are short separately. Monthly deposits land at month-end, before bills due at the same point. The monthly saving needed assumes you fund the immediate gap first; the current-plan verdict does not. Unpaid bills are tracked separately, with no made-up interest.
If the yearly costs do not match your plans, edit them rather than changing the inflation rate. For a different route, such as a polytechnic or a gap year, build a separate dated budget.
How Do You Plan For More Than One Child?
Tap Add Another Child for each sibling, with their own age and school path. All the bills come out of one shared education fund, so the tool shows one combined monthly amount.
Add a five-year-old on the local path to the example, with the same S$10,000 saved and S$500 a month, and the two children need about S$1,452 a month. Each child’s own bills are listed too.
When Should You Revisit The Plan?
Replace the broad estimates with MOE’s fee information and each school’s published charges. Add living costs, travel and materials, and count confirmed financial aid only once.
Test a lower return and higher inflation. Smooth returns are not guaranteed, and the model leaves out investment fees and market losses. Keep near-term bills funded without relying on markets, and review the plan each year.
Quick Check
Three statements from this guide. Tap True or False to check what you have read. Nothing is saved.
Card 1 Of 3
The local path uses MOE fee schedules.
Why?
S$4,000, S$6,000 and S$15,000 a year cover fees and related costs. Replace them with MOE’s fee information and each school’s published charges.
Card 2 Of 3
You need S$217,622 saved today for a two-year-old’s local path.
Why?
The tool finds one steady monthly amount, S$709 rounded up in the example, that keeps the fund from going below zero as each yearly bill arrives.
Read: How Much Does A Two-Year-Old’s Local Path Need Each Month?
Card 3 Of 3
With two children, the tool works out one combined monthly amount.
Why?
Adding a five-year-old on the local path to the example takes the total to about S$1,452 a month. Each child’s own bills are still listed.
Your Score
Try It With Your Numbers
Open the calculator with this guide’s example filled in. Then change the numbers to match your situation.
Open Kids' Education Cost Projector →Frequently Asked Questions
What School Costs Does The Local Path Assume?
The local path assumes six school years at S$4,000 each from ages 7–12, six at S$6,000 from 13–18 and four university years at S$15,000 from 19–22.
These are the site’s example all-in budgets for fees and related costs, not MOE fee schedules.
Do I Need S$217,622 Saved Today?
No.
The S$217,622 is the total of costs after inflation, paid in different future years. It is not a lump sum you need today. The calculator finds one steady monthly amount that keeps the fund from going below zero as each yearly bill arrives.
Try Kids' Education Cost Projector →What If My Child Is Already In School?
Then the first yearly bill is due now, and the calculator shows any cash you are short right now separately.
The monthly saving needed assumes you fund that gap first. The current-plan verdict does not assume you have added that cash.
Try Kids' Education Cost Projector →How Can I Make The Estimate More Accurate?
Use MOE’s fee information and each school’s published charges in a separate dated budget.
Add living costs, travel and materials, and count confirmed financial aid only once. Test a lower return and higher inflation. Review the plan each year.
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Your Child’s Education Savings Checklist. The grants, accounts and reliefs to use from birth to university, in order.
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Sources & Assumptions
Sources checked 11 September 2026. These are examples only. Check the stated assumptions and limits before you use a result.
Uses example budgets you can edit and fixed ages, not official fees. It does not adjust for specific schools, National Service timing, financial aid, exchange rates, investment fees or market swings.