Singapore Cost of Living Calculator
See how far your income goes in Singapore — compare living costs across cities and estimate the equivalent salary in SGD.
SG Cost of Living Calculator
Pre-filled with Singapore averages — adjust any field to see the impact
Summary breakdown
Monthly Budget Summary
For a single person in North-East Region on SGD 5,800/month net, with a 4-room hdb (SGD 2,900/mo). Total expenses: SGD 4,163. Monthly savings: +SGD 1,637 (28.2% savings rate). Rent is 50.0% of net income — above the 38% rental stress threshold.
Accommodation in North-East Region
Median open-market rents from HDB Rental Statistics Q4 2024/Q1 2025 and URA Private Rental Q1 2025. Rents in the Core Central Region (CCR) typically run 20–30% higher than the Outside Central Region (OCR) baseline.
| Type | Median Rent | Typical Size | % of Median Salary |
|---|---|---|---|
| Room (Shared HDB) | SGD 850 | Shared room | 14.7% of SGD 5,800 |
| 3-Room HDB | SGD 2,300 | ~65 m² | 39.7% of SGD 5,800 |
| 4-Room HDB | SGD 2,900 | ~90 m² | 50.0% of SGD 5,800 |
| 5-Room HDB | SGD 3,500 | ~110 m² | 60.3% of SGD 5,800 |
| 1-Bed Condo | SGD 3,500 | 45–65 m² | 60.3% of SGD 5,800 |
Food & Dining in Singapore
Typical monthly grocery and dining estimates per SingStat HES 2022/23. Average prices at NTUC FairPrice, Sheng Siong, Cold Storage and wet markets.
| Common item | Avg price (incl. 9% GST) |
|---|---|
| Jasmine rice (5 kg bag) | SGD 7.50 – 9.50 |
| Eggs (10 large) | SGD 2.80 – 3.80 |
| Fresh milk (1 litre) | SGD 3.00 – 4.50 |
| Whole chicken (~1.4 kg) | SGD 9.00 – 12.00 |
| Snapper (1 kg, wet market) | SGD 12.00 – 18.00 |
| Leafy vegetables (per pack) | SGD 1.50 – 3.00 |
| Bread (white/wholemeal loaf) | SGD 2.80 – 4.50 |
| Cooking oil (1 litre) | SGD 3.50 – 5.00 |
Dining out
| Venue / item | Typical price |
|---|---|
| Hawker centre meal (rice / noodles / roti prata) | SGD 4 – 7 |
| Food court meal (air-conditioned) | SGD 6 – 10 |
| Kopi (kopitiam local coffee) | SGD 1.20 – 1.80 |
| Specialty coffee (Starbucks / cafés) | SGD 6.50 – 9.00 |
| Mid-range restaurant (per person, excl drinks) | SGD 20 – 45 |
| Beer at hawker (330ml can) | SGD 3.50 – 5.00 |
| Beer at bar / pub (pint) | SGD 12 – 20 |
| McDonald's combo | SGD 8 – 12 |
Public Transport in Singapore
Singapore operates one of the world's most integrated public transport networks. The Adult Monthly Travel Pass (AMTP) provides unlimited travel for Singapore Citizens and PRs. Children under 7 ride free.
| Fare type | Operator / system | Monthly | Notes |
|---|---|---|---|
| Adult Monthly Travel Pass | TransitLink (LTA) | SGD 128 | Unlimited MRT, LRT and basic bus. SG Citizens / PRs only. |
| Pay-as-you-go (~40 trips) | EZ-Link / SimplyGo | SGD 140–180 | Distance-based fares. Cheaper if <40 trips/month. |
| Children under 7 | All MRT, LRT, basic bus | Free | Concession applies on standard public transport. |
| Student Monthly Concession | Primary / Secondary / JC | SGD 25–55 | Hybrid concession pass on MRT and bus. |
| Grab / taxi (supplementary) | Grab, ComfortDelGro | SGD 100–300+ | Surge pricing peak hours; fixed-fare bookings available. |
| Own car (total) | COE + loan + petrol + ins. + parking | SGD 2,500–3,500 | Includes monthly COE amortisation (~SGD 1,200) on a 10-year basis. |
Accommodation-by-Accommodation Comparison
Median rent, utilities, transport and median income across HDB and condo accommodation types in Singapore
Includes IRAS YA 2026, HDB Q4 2024 & URA Q1 2025 dataHow Much Is Left After Paying Rent?
Monthly Expense Breakdown
Monthly Transport Cost Comparison
Monthly Electricity by Accommodation Type
| Accommodation | Median Rent | Typical Size | Electricity | Water | Total Utilities | Median Income | Surplus After Rent |
|---|---|---|---|---|---|---|---|
| Room (Shared HDB) | SGD 850 | Shared | SGD 45 | SGD 15 | SGD 115 | SGD 5,800 | +SGD 4,950 |
| 3-Room HDB | SGD 2,300 | ~65 m² | SGD 95 | SGD 28 | SGD 178 | SGD 5,800 | +SGD 3,500 |
| 4-Room HDB | SGD 2,900 | ~90 m² | SGD 110 | SGD 35 | SGD 200 | SGD 5,800 | +SGD 2,900 |
| 5-Room HDB | SGD 3,500 | ~110 m² | SGD 130 | SGD 40 | SGD 225 | SGD 5,800 | +SGD 2,300 |
| Studio Condo | SGD 2,500 | ~40 m² | SGD 80 | SGD 25 | SGD 160 | SGD 5,800 | +SGD 3,300 |
| 1-Bed Condo | SGD 3,500 | 45–65 m² | SGD 110 | SGD 32 | SGD 197 | SGD 5,800 | +SGD 2,300 |
| 2-Bed Condo | SGD 5,200 | 65–100 m² | SGD 150 | SGD 42 | SGD 247 | SGD 5,800 | +SGD 600 |
Important Disclaimer
For educational purposes only. All figures are estimates based on median or typical values from official Singapore government and statutory board sources. HDB rental medians from HDB Rental Statistics (Q4 2024 / Q1 2025) and indicative private rents from URA. Electricity tariff is the SP Group regulated rate effective 1 April – 30 June 2026 (27.27¢/kWh excl 9% GST). Gross-to-net conversion applies CPF employee contribution (20%, capped at the Ordinary Wage ceiling of SGD 8,000/month from 1 January 2026) and estimated income tax under IRAS YA 2026 resident rates (income earned in 2025) with no personal reliefs assumed. Children's cost estimates apply to Singapore Citizen households eligible for ECDA childcare subsidies and MOE primary/secondary school fees — Singapore PRs and foreigners may face higher fees. Baby Bonus, Child Development Account (CDA), and other MSF assistance programmes are not modelled. Rates, tariffs and thresholds are subject to change; verify current figures with the official authorities and seek independent advice before making financial decisions. This is not financial or tax advice.