University Tuition Fee Calculator (2026)

Subsidised fees apply to Singapore citizens and permanent residents who accept the MOE Tuition Grant (TG). The grant covers a significant portion of the full cost. Unsubsidised fees are the full tuition amount without any government subsidy. Citizens receiving the TG pay substantially less — often 50-75% less than the unsubsidised rate.

Students who accept the MOE Tuition Grant must fulfil a service obligation to work in a Singapore-registered company for 3 years after graduation (for Singapore PRs and international students). Singapore citizens have no service obligation but still benefit from the subsidised fee rate.

Singapore citizens pay the lowest fees with the MOE Tuition Grant. Permanent Residents pay more than citizens but less than international students. International students pay the highest fees. For example, an NUS Arts & Social Sciences degree may cost citizens around $8,000-9,000/year, PRs around $11,000-12,000/year, and international students around $17,000-18,000/year (subsidised rates). Unsubsidised rates are significantly higher.

Options include MOE Tuition Grant (for all eligible students), university-specific bursaries and scholarships, CPF Education Scheme (use CPF OA funds), MOE Study Loans (up to 90% of subsidised fees for citizens), Tuition Fee Loans from banks, and various merit and need-based scholarships from external organisations.

Yes, tuition fees vary significantly by course. Medicine and Dentistry are the most expensive, followed by courses like Law, Music, and courses with heavy lab or clinical components. Arts and Social Sciences, Business, and Computing tend to be less expensive. Each university publishes its fee schedule by programme.

The MOE Tuition Grant is a government subsidy that reduces tuition fees to the subsidised rate for Singapore Citizens and Permanent Residents. In exchange, students sign a tuition grant agreement committing to work for at least 3 years after graduation in a Singapore-based organisation (this includes Singapore operations of foreign companies). Failure to fulfil this obligation requires repayment of the grant amount. International students in Singapore can also access a tuition grant but at different conditions — typically requiring 3 years work in Singapore post-graduation with a Singapore-registered employer.

Yes. Under the CPF Education Scheme, you can use your own CPF Ordinary Account savings, or your parent/spouse's OA savings, to pay approved tuition fees at local autonomous universities (NUS, NTU, SMU, SUTD, SIT, SUSS). However, CPF funds used must be repaid to the account with accrued interest (at 2.5% p.a.) after graduation, within 12 years. The repayment obligation falls on the CPF member (the account owner), not the student — this is an important consideration for parents using their own CPF for their children's education.