Most parents plan for their children’s monthly tuition. They forget to plan for the cost of their degree.
S$8,300–9,700/ year
Typical NUS or NTU tuition
General degree, Singapore Citizen, after the MOE Tuition Grant.
~S$50,000/ degree
Typical 4-year local degree, all in
Tuition plus hostel, food, transport and books over four years.
| Course (Singapore Citizen) | Tuition / year | Tuition, full degree |
|---|---|---|
| NUS / NTU general degree (4 yrs) | S$8,300–9,700 | S$33,200–38,800 |
| SMU general degree (4 yrs) | S$11,550 | S$46,200 |
| NUS / SMU Law (4 yrs) | S$12,750 | S$51,000 |
| NUS Dentistry (4 yrs) | S$32,750 | S$131,000 |
| NUS / NTU Medicine (5 yrs) | S$33,200–36,100 | S$166,000–180,500 |
| Living costs incl. hostel | ~S$8,000 | ~S$32,000over 4 years |
| General local degree + living, 4 years | ~S$65,000–71,000 |
Figures in SGD, based on 2026 published fees for Singapore Citizens after the MOE Tuition Grant, compiled by SmartWealth. Fees change each year and differ by course. Check each university’s official fee page for current amounts.
Thinking of Australia or the UK?
Tap a country to see what its top universities charge international students.
AustraliaSee fees at 5 universities, in S$
International undergraduate fees by course, per year, 2026 entry. Shown in Singapore dollars (S$), converted from Australian dollars.
Swipe the table sideways to see every university.
| Course | Melbourne | Sydney | UNSW | Monash | ANU |
|---|---|---|---|---|---|
| Arts / Humanities | S$33,500–49,500 | — | — | — | — |
| Commerce / Business | S$46,100–52,000 | S$49,600–53,400 | S$49,800 | S$52,1002027 fee | S$49,400 |
| Science | S$46,600–54,800 | S$53,400 | S$53,700 | — | S$49,400 |
| Engineering (Hons) | Master’s only | S$53,400 | S$54,200 | — | S$49,400 |
| Computing / IT | — | S$53,400 | S$53,700 | — | S$49,400 |
| Design / Architecture | S$38,600–51,000 | S$46,200 | S$43,600 | — | — |
| Biomedicine / Health Sciences | S$48,200–54,100 | S$53,400–58,000 | — | — | — |
| Law | JD (postgrad) only | S$49,600 | — | — | — |
| Medicine | MD (postgrad) only | S$85,400MD part | S$84,100 | S$89,500 | S$81,600postgrad |
Full degree, approximate total
| Degree | Length | Approx. total (S$) |
|---|---|---|
| Commerce / Arts / Science | 3 years | S$132,000–167,000 |
| Engineering (Hons) | 4 years | S$198,000–225,000 |
| Medicine (UNSW, undergraduate entry) | 6 years | ~S$570,000 |
United KingdomSee fees at 5 universities, in S$
International undergraduate fees by course, per year, 2026 entry. Shown in Singapore dollars (S$), converted from British pounds.
Swipe the table sideways to see every university.
| Course | Oxford | Cambridge | Imperial | UCL | LSE |
|---|---|---|---|---|---|
| Humanities (English, History, Languages) | from S$64,100 | S$49,800 | — | S$54,900 | — |
| Economics / PPE / Social Sciences | S$74,800 | S$49,800 | — | S$67,200 | S$49,600–68,400 |
| Accounting & Finance | — | — | — | — | S$61,200 |
| Law | S$74,800 | S$49,800 | — | — | — |
| Engineering | S$107,800 | S$75,800 | S$78,100 | S$73,200–80,100 | — |
| Computer Science | — | S$75,800 | S$78,100 | S$73,200–80,100 | — |
| Natural Sciences (Physics, Chemistry) | — | S$75,800 | S$78,100 | S$73,200 | — |
| Medicine | S$84,700years 1–3S$111,900years 4–6 | S$121,000 | S$100,500 | S$62,600early years~S$111,000clinical years | — |
Full degree, approximate total
| Degree | Length | Approx. total (S$) |
|---|---|---|
| Humanities / Law / Economics | 3 years | S$149,000–223,000 |
| Engineering (MEng) | 4 years | S$304,000–431,000 |
| Medicine | 6 years | S$592,000–729,000+ |
Overseas figures are tuition only, for international students, and exclude living costs. They are converted to Singapore dollars at A$1 = S$0.88 and £1 = S$1.72 (exchange rates on 6 Nov 2026), rounded to the nearest S$100 per year and S$1,000 per degree. What you actually pay depends on the exchange rate at the time. A dash (—) means no undergraduate fee is listed for that course. Fees change each year; check each university’s official fee page for current amounts.
Same child. Same degree. Different outcome.
Savings alone
- University fund
- a guess
- Gap
- unplanned
Savings + a plan
- University fund
- understood
- Gap
- closed where possible
Your savings are on track.
But on track for what, exactly?
- TodayYour child’s age now
- PSLEAge 12
- O-LevelsAge 16
- A-Levels / PolyAge 18–19
- UniversityAge 19, or about 21 after NS
SAVINGS PROGRESS:ON TRACK?
Find out your numberYour savings are growing. But toward which number?
-
1Your child’s actual number Estimate the full cost of the degree they might take, from general courses to Medicine.
-
2Your gap Compare what your savings and CPF can cover with what the degree will really cost.
-
3Ways to close it Understand the options for building the fund over the years before your child enrols.
You will walk away knowing your child’s university number.
Evelyn Tan, MAS Rep. No. TYS300123023, licensed financial representative with Prudential Singapore. She has worked with parents on education planning for over 10 years. She has seen too many parents plan only when their child is entering University. The gap and unknown is real. This consultation will help you to get ready at an earlier stage.
After the consultation, you’ll know your position and will be able to plan smarter with clearer guideline.