How much does a baby's first year cost in Singapore?
Diapers, milk, childcare, doctor visits... and the little things that somehow add up. Tell us a bit about your plans and we'll put together a starting budget you can actually edit.
A few quick questions
Select what sounds closest to your family. Your estimate updates as you go.
More options Delivery type, clinic, childcare start & subsidies
Infant care generally begins from 2 months. Additional Subsidy is not calculated automatically because eligibility and co-payment rules vary.
Here's your starting budget
These are planning figures, not a quote. Your actual expenses may be quite different.
Adjust the estimatesWant a more accurate budget?
We've filled in sensible starting figures. Open a category to change anything you know you'll spend differently.
Everyday essentialsDiapers, milk, wipes, clothes & food—
Childcare & medicalInfant care fees, subsidies & doctor visits—
One-time purchasesDelivery, baby equipment & setup—
Changing your answers above updates the automatic figures but preserves any amounts you've edited. “Reset estimates” restores the suggested amounts.
Where does the money go?
First-year totals, including costs that only occur once.
See the month-by-month estimate
For illustration, one-off expenses are placed in Month 1. Food spending begins in Month 7, and infant care starts in your selected month.
Your numbers stay on this device; no account needed.
What these numbers do (and don't) include
Baby expenses aren't the same for every household. Two families can spend wildly different amounts depending on where they give birth, whether they use infant care, how they feed their baby and how much equipment they already own. This calculator helps you see how those decisions change the first-year total, without pretending there's one correct amount.
Hospital bills. The starting maternity figures are based on typical MOH hospital bill benchmarks for uncomplicated deliveries, before MediSave or insurance reimbursements. One delivery is counted even for twins. Multiple births, complications, ward choices and neonatal care can change the bill significantly.
Infant care. The Anchor Operator and Partner Operator figures are planning inputs based on published fee caps, before any applicable GST or extras. The Basic Subsidy is modelled simply; Additional Subsidy eligibility and minimum co-payments are not calculated. Change the figures to match your centre's quote.
Everything else. Diapers, milk, GP and paediatrician visits, baby gear and other costs are illustrative estimates, not national averages or The Tofu House's actual expenses. The calculator excludes prenatal packages, lost income, Baby Bonus/CDA contributions and insurance claims. Check your own quotes before making decisions.
Official references: MOH vaginal delivery bills · MOH caesarean bills · Preschool subsidies · Preschool search.
Assumptions reviewed October 2026. Always confirm prices and subsidy eligibility with the provider.