Singapore Cost of Living Calculator 2026

Housing dominates almost every budget, and for many households the second largest is transport — specifically car ownership, where the Certificate of Entitlement can cost more than the vehicle. Public transport, by contrast, is inexpensive, so the gap between a car-owning and car-free household here is unusually wide.

Displayed prices must generally include GST, currently 9%, so what you see is what you pay. The main exception is food and beverage outlets that levy service charge and GST on top — the familiar '++' — which adds noticeably more than the headline menu price.

No. It totals figures you supply and shows the income needed to cover them. It cannot tell you what a flat in a given estate rents for or what groceries cost — use SingStat or the HDB and URA transaction data for market figures.

Two differences matter most. You do not contribute to CPF, so more of your gross salary arrives as cash, but you also have no CPF to draw on for housing. You will usually rent at market rates rather than access subsidised HDB housing, and healthcare relies on private insurance rather than MediShield Life.

No. The figures describe your costs today. Rents in particular can move sharply between lease renewals, so revisit the numbers when your tenancy or circumstances change.