Child & Education Details

Used to calculate how many years until education starts.

Different education levels have different fee ranges. Override with custom fee if needed.

Estimated annual fee for your chosen level at today's prices. For local university, typical is SGD 8,000–12,000. Override as needed.

Inflation & Savings Plan

%

MOE and universities typically raise fees 2-4% annually. Default 3%.

Automatically calculated from child's age and typical start age for chosen level, or override manually.

How much you plan to set aside each month for education.

%

Risk‑free rate (e.g., CPF OA 2.5%) or higher if investing.

CPF Education Scheme (CPFES)

CPFES allows withdrawing OA savings for tuition fees for approved courses (local universities, polytechnics, etc.). Must be repaid with interest.

Current Ordinary Account balance that can be used for CPFES. Only applicable if you choose 'Yes'.

Shortfall / Surplus
-16974
SGD (negative = shortfall, positive = surplus)