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Educational Planning Calculator

Singapore Universities & Overseas · AY 2025/26 base

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University Details

Residency Status
University Type
Institution
Programme
Annual Cost (SGD) {{ formatCurrency(overseasAnnualCost) }}
{{ overseasRange }}
Course Duration {{ courseDuration }} years
Course Duration {{ courseDuration }} years
Year of Entry {{ yearOfEntry }}
Year of Entry {{ yearOfEntry }}
Tuition Inflation Rate {{ inflationRate }}%
Historical average: ~3% p.a. for local, ~4% for overseas
Include Living Expenses
Monthly Living Expenses {{ formatCurrency(monthlyLiving) }}/mo
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Cost Summary

Annual Tuition (Today)
{{ formatCurrency(r('annualTuitionBase')) }}
AY 2025/26 base
Annual Tuition at Entry
{{ formatCurrency(r('annualTuitionAtEntry')) }}
Inflated to {{ yearOfEntry }}
Total Tuition
{{ formatCurrency(r('totalTuition')) }}
{{ courseDuration }}-year course
Total Estimated Cost
{{ formatCurrency(r('totalCost')) }}
{{ includeLiving ? 'Tuition + living' : 'Tuition only' }}
Total Living Expenses
{{ formatCurrency(r('totalLiving')) }}
S${{ formatNum(monthlyLiving) }}/mo × {{ courseDuration }} yrs
Years Until Entry
{{ Math.max(0, yearOfEntry - currentYear) }}
Years to save
Year-by-Year Breakdown
Year Tuition Living Cumulative Cost
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Savings Projections

Target Education Fund
Auto-filled from University Costs tab
Child's Current Age {{ childAge }} yrs
University Entry Age {{ entryAge }} yrs
Current Savings
Expected Annual Return {{ expectedReturn }}%
Conservative: 2–3% · Balanced: 4–6% · Growth: 7–10%
Monthly Contribution
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{{ savingsMode === 'required' ? 'Required Savings Plan' : 'Projected Savings' }}

Monthly Savings Required
{{ formatCurrency(r('monthlyRequired')) }}
per month
Projected Total at Enrolment
{{ formatCurrency(r('projectedTotal')) }}
at age {{ entryAge }}
Years Until Enrolment
{{ r('yearsUntil', 0) }}
years to save
Total Contributions
{{ formatCurrency(r('totalContributions')) }}
principal invested
Investment Returns
{{ formatCurrency(r('totalReturns')) }}
growth earned

Surplus of {{ formatCurrency(r('surplus')) }} — your projected savings exceed the target education fund.

Shortfall of {{ formatCurrency(Math.abs(r('surplus'))) }} — consider increasing monthly contributions.
Savings Growth Projection

CPF Education Scheme: covers MOE-subsidised tuition fees at approved local institutions only. Does not cover overseas tuition, living expenses, or private college fees. Maximum withdrawal: 40% of your OA balance.

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CPF Education Scheme

CPF OA Balance
Tuition via CPF
Auto-filled from University Costs tab (local tuition only)
Course Duration {{ courseDuration }} years
Repayment Period {{ repaymentYears }} years
Must repay within 1 year of graduation (up to 12 years)
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CPF OA interest rate: 2.5% p.a. (fixed by CPF Board)
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CPF Analysis

Withdrawal limited to 40% of OA balance (S${{ formatNum(r('maxWithdrawal')) }}). Remaining tuition must be paid in cash.
Max CPF Withdrawal (40%)
{{ formatCurrency(r('maxWithdrawal')) }}
40% of OA balance
Accrued Interest
{{ formatCurrency(r('accruedInterest')) }}
2.5% p.a. × {{ courseDuration }} yrs
Monthly Repayment
{{ formatCurrency(r('monthlyRepayment')) }}
over {{ repaymentYears }} years
Opportunity Cost
{{ formatCurrency(r('opportunityCost')) }}
Forgone OA growth
CPF vs. Cash Comparison
Item CPF Route Cash Route
Upfront cash needed {{ formatCurrency(cpfComparison.cpfRoute.upfrontCash) }} {{ formatCurrency(cpfComparison.cashRoute.upfrontCash) }}
CPF withdrawn {{ formatCurrency(r('actualWithdrawal')) }} S$0
Accrued interest to repay {{ formatCurrency(r('accruedInterest')) }} S$0
Total out of pocket {{ formatCurrency(cpfComparison.cpfRoute.totalOutOfPocket) }} {{ formatCurrency(cpfComparison.cashRoute.totalOutOfPocket) }}
* CPF total includes all repayments over {{ repaymentYears }} years. Cash route assumes immediate full payment.
For illustrative purposes only. Not financial advice.
Tuition data based on AY 2025/26 MOE-subsidised rates. Fees change annually — verify at each university's official website.
CPF Education Scheme rules: CPF Board
© 2026
DigitalNext
Educational Planning

Plan Your Child's University Education

This calculator helps Singapore parents and financial advisers project the total cost of university education — local or overseas — model monthly savings strategies, and understand CPF Education Scheme trade-offs.

Three modes: University Costs projects tuition with inflation; Savings Projections solves for monthly PMT or future value; CPF Education models OA withdrawal obligations and opportunity cost.

01
Local & Overseas Universities
02
AY 2025/26 Fee Data
03
CPF Scheme Modelling
04
Savings Growth Charts
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