Singapore Cost of Living Calculator
Estimate monthly living costs across Singapore’s planning districts for 2025. Calculations apply IRAS resident income tax brackets and CPF contribution rates. Rent data is sourced from URA Realis transaction records and HDB rental statistics 2025.
Select Your District
Choose from Singapore planning districts across the Central, East, North, North-East and West regions.
Enter Your Income
Input gross or net monthly income in SGD. IRAS tax brackets and CPF contributions apply automatically.
Adjust Lifestyle
Set housing tier, household size and lifestyle preferences for a personalised estimate.
SG Cost of Living Calculator
Pre-filled with Singapore averages — adjust any field to see the impact
Summary breakdown
Monthly Budget Summary
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 |
|---|
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 amortization (~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 2024 & HDB Q4 2024 / URA Q1 2025 data · Updated April 2026How 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 |
|---|
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 OW ceiling S$6,800/month) and estimated income tax under IRAS YA 2024 resident rates 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. This is not financial or tax advice.
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