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Enrichment and tuition budget planner
Add up tuition, music, swimming and the rest. You'll see the monthly bill, the yearly total, the share of your income it takes, and what it comes to if you keep going for years.
Figures checked 3 Oct 2026 against official government sources · Fussy Mama
Monthly enrichment bill
Tuition fees in Singapore: 1-to-1 home tuition rates
Nobody regulates tuition prices, so the best public numbers are the rate cards tuition agencies post. These two were read on 3 Oct 2026. Rates are per hour and depend mostly on who teaches.
| Level | Part-time tutor | Full-time tutor | School teacher |
|---|---|---|---|
| Preschool | $25 to $35 | $35 to $45 | $50 to $70 |
| Lower primary | $25 to $35 | $35 to $50 | $55 to $80 |
| Upper primary | $30 to $40 | $40 to $55 | $60 to $90 |
| Lower secondary | $30 to $45 | $45 to $60 | $60 to $100 |
| Upper secondary | $35 to $50 | $45 to $65 | $65 to $105 |
| Junior college | $50 to $65 | $60 to $90 | $95 to $130 |
Hourly rates. Each cell spans the lowest and highest figure across the SmileTutor and FamilyTutor rate cards. These are two agencies' asking rates, not a survey of what parents pay.
Say you book one 1.5-hour lesson a week at $40 an hour. That's $60 a lesson and $240 for a 4-lesson month, and a second subject doubles it.
Enrichment class fees: published price lists
Most enrichment centres don't post fees. These are ones that do, so you have something to compare your quote against.
| Class | Published fee | What you get | Source |
|---|---|---|---|
| Kumon (maths, English or Chinese) | $170 a month per subject | Same fee at every level. $50 one-time registration | Kumon Singapore |
| Piano, group course | $232 to $334 a month | Weekly 45-minute to 1-hour lesson, Grade 1 to Grade 7 level. $12 a month off for weekday classes | Yamaha Music School |
| Music, 1-to-1 | $279, $399 or $519 a month | 4 lessons a month of 30, 45 or 60 minutes | Aureus Academy |
| Swimming, group | $160 to $180 for 4 lessons | $160 with 6 children per teacher, $180 with 4. Ages about 4 to 11 | Swimwerks |
| Swimming, 1-to-1 | $380 for 4 lessons | Private lesson. Another school lists $360 to $800 for 8 lessons depending on group size | Swimwerks, Penguin Swim School |
| SINDA STEP tuition | $10 flat fee, or free | For citizen and PR students. Free if per capita income is $1,600 or below, or if the child is on MOE FAS | SINDA |
Fees as shown on each provider's website on 3 Oct 2026. They are examples from single providers, so other centres will charge more or less.
For classes that aren't in this table, like coding, art, speech and drama or phonics, we couldn't find a provider that publishes fees. Ask the centre for the term fee, the number of lessons in a term, and whether materials and registration are extra. Then divide it down to a monthly figure for the planner.
How much do Singapore families spend on tuition?
The government's Household Expenditure Survey found that families here spent $1.8 billion on private tuition in 2023, as reported in a letter carried on the SingStat website. The same letter notes that the top 20% of households by income spent over four times what the bottom 20% spent.
There's no official rule for how much of your income should go to classes. The planner shows your percentage so you can decide for yourself. One way to test it: if the yearly total is more than you put into savings in a year, look at which class your child would miss least.
Money that can help pay for classes
- Edusave. Every citizen child in an MOE-funded school gets a yearly contribution, $230 in primary school and $290 in secondary school in 2026. It pays for enrichment programmes organised by the school. Outside centres can't take it.
- Child Credits. From April 2027 each citizen child gets $2,000 a year in cash, from the year they turn 1 to the year they turn 16. This is new under the SG Child Support Package from the National Day Rally on 23 Aug 2026. It's cash, so it can go to any class.
- Child LifeSG Credits. The $500 per child paid from 14 July 2026 can be spent at any merchant that takes PayNow or NETS QR, so ask your centre if it does. It expires 12 months after it was credited.
- CDA. It only covers enrichment run by your child's preschool, such as speech and drama. Outside centres aren't Approved Institutions.
- Self-help group tuition. SINDA's STEP programme costs $10 or nothing. Other self-help groups run their own schemes, so ask yours about fees.
There is no income tax relief for tuition or enrichment fees.
Worked example
One child in Primary 3. Maths tuition at home, 1.5 hours a week at $40 an hour, is $240 a month. Add a Yamaha group piano class at $232 and group swimming at $160 for 4 lessons, and the month comes to $632.
Add $300 a year for a piano exam and swim gear and the yearly total is $7,884. On take-home pay of $9,000 a month, the monthly bill is 7.0% of income. Keep it going for 6 years and you've spent $47,304.
From April 2027 the $2,000 Child Credit would cover about 25% of a year of this.
Questions parents ask
How much are tuition fees in Singapore?
For 1-to-1 home tuition, two agency rate cards show $25 to $40 an hour for a part-time tutor at primary level, $35 to $55 for a full-time tutor and $55 to $90 for a school teacher. Secondary and JC rates run higher, up to $130 an hour.
How much do enrichment classes cost?
It varies by class. From published 2026 price lists: Kumon is $170 a month per subject, a Yamaha group piano course is $232 to $334 a month, 1-to-1 music lessons at Aureus Academy are $279 to $519 a month, and group swimming at Swimwerks is $160 to $180 for 4 lessons.
How much should I budget for enrichment?
There's no official guideline. Add up what you pay now, look at the share of take-home pay in the planner, and check it against what you save each year.
Can I use Edusave for enrichment classes?
Only for enrichment programmes organised by your child's school. It can't pay a private tuition or enrichment centre. The yearly contribution in 2026 is $230 for primary pupils and $290 for secondary students.
Can I pay for enrichment with CDA?
Only if the class is offered by your child's preschool and the preschool is a Baby Bonus Approved Institution. That has been allowed since 1 May 2025. Outside centres can't take CDA.
Is tuition tax deductible in Singapore?
No. IRAS has no relief for tuition or enrichment fees. The child-related reliefs are Qualifying Child Relief and Working Mother's Child Relief, which you get whatever you spend.
Is group tuition cheaper than 1-to-1?
Usually, because the teacher's time is shared. Compare on a per-hour basis: divide the monthly fee by the hours of lessons in the month. Kumon at $170 a month is one published group-style price.
What are Child Credits and can they pay for classes?
From April 2027 every citizen child aged 1 to 16 gets $2,000 a year in cash under the SG Child Support Package. It's paid to the bank account linked to your child's PayNow, and you can spend it on classes or anything else.
Sources (Figures checked 3 Oct 2026)
- SmileTutor - Home tuition rates
- FamilyTutor - Tuition rates
- Kumon Singapore - Enrolment procedure and fees
- Yamaha Music School - Piano course fees
- Aureus Academy - Pricing
- Swimwerks - Swimming lesson fees
- Penguin Swim School - Pricing
- SINDA - STEP tuition fee structure
- MOE - Edusave account overview
- SingStat news page - letter citing the Household Expenditure Survey 2023 tuition figures
- LifeSG - SG Child Support Package (Child Credits)
- SupportGoWhere - Child LifeSG Credits
