Here’s a handy table summarising the 15 Family Benefits & Tax Reliefs in Singapore covered in this guide:

Maternity & Newborn Benefits in Singapore – Save on Delivery and Medical Costs

1. MediSave Maternity Package (MMP)
Utilize your MediSave savings to cover pre-delivery consultations, tests, and hospital bills. To claim pre-delivery charges, present the bills to the hospital where your baby was delivered; they will assist in processing the claim.

2. MediSave Grant for Newborn
All Singapore Citizen babies receive a MediSave grant of $4,000 deposited into their MediSave account. This grant can be used for your child’s healthcare expenses, including vaccinations, outpatient treatments, and MediShield Life premiums.

3. MediShield Life Coverage
This mandatory basic health insurance provides all Singapore Citizen babies with coverage for large hospital bills and subsidized treatments. Premiums are payable by families but can be offset using the MediSave Grant for Newborn.

Baby Bonus, Cash Grants & Free Passport for Singaporean Newborns

Baby Bonus Scheme & Child Development Account (CDA)
The Baby Bonus Scheme offers a cash gift and the Child Development Account (CDA) to support child-raising costs. The CDA is a special savings account where the government matches parental contributions dollar-for-dollar, up to a specified cap. Funds in the CDA can be used for child-related expenses at approved institutions, including preschools, medical clinics, and enrichment centers. Notably, for third and subsequent children born from 18 February 2025, the First Step Grant has been increased from $5,000 to $10,000 under the Large Families Scheme.

Childcare Subsidies and Working Mum Subsidy
There are various subsidies available to offset infant care and childcare fees. The Working Mum Subsidy provides additional financial support to working mothers, reducing childcare expenses further.

Free Singapore Passport
Newborn Singapore Citizens are entitled to a fee waiver for their first passport application, providing additional savings for young families.

Education Grants in Singapore – CPF & MOE Schemes for Parents

4. CPF Education Loan Scheme
Parents can use their CPF savings to pay for their children’s subsidized diploma or degree courses at approved institutions in Singapore. Repayment of the principal amount with interest is required, returning funds to the CPF account.

5. MOE Tuition Fee Loan (TFL)
The MOE TFL offers interest-free loans covering up to 90% of the subsidized tuition fees for students in local universities and polytechnics. Repayment typically commences after graduation, with possible deferments during economic downturns.

Parental Leave Benefits in Singapore – Maternity, Paternity & Childcare Leave Explained

6. Unpaid Infant Care Leave (UICL)
Each working parent is entitled to 6 days per year for the first 2 years of their child’s life, totaling 12 days per parent. This leave allows parents to be present during the crucial early months without affecting their paid leave entitlements.

7. Government-Paid Childcare Leave (GPCL) & Extended Childcare Leave (ECL)

• 6 days (GPCL) for children under 7
• 2 days (ECL) for children aged 7–12
• Applies to full-time, part-time, self-employed, adoptive, and foster parents

8. Government-Paid Paternity Leave (GPPL)
📢 Update for 2025: Working dads are entitled to 4 weeks of fully paid leave.

9. Government-Paid Maternity Leave (GPML)

• 16 weeks if child is a Singapore Citizen
• 12 weeks for non-citizens or if eligibility differs

10. Shared Parental Leave (SPL)
Dads may share maternity leave:

• From 1 Apr 2025: 6 weeks total (3 weeks each by default)
• From 1 Apr 2026: 10 weeks total (5 weeks each, or reallocated)

Singapore Tax Reliefs 2025 – How Parents Can Maximise Their Claims

11. Foreign Domestic Worker Levy Relief (FDWL)
📌 Phased out from YA2025. Previously allowed working women to claim double the levy.

12. Grandparent Caregiver Relief (GCR)
Claim $3,000 if your parent or in-law is not working and helps care for your Singapore Citizen child under age 12.

13. Parenthood Tax Rebate (PTR)

• $5K (1st child), $10K (2nd), $20K (3rd+)
• One-time rebate, shareable between spouses and can be carried forward

14. Qualifying Child Relief (QCR) / Handicapped Child Relief (HCR)

• $4,000 (QCR) or $7,500 (HCR) per child
• Can be shared between spouses
• Applies to birth, step, or adopted children

15. Working Mother’s Child Relief (WMCR)

• Born before 1 Jan 2024: 15% (1st), 20% (2nd), 25% (3rd+)
• Born on or after 1 Jan 2024: Fixed amount of $8K, $10K, or $12K
• Total WMCR + QCR capped at $50,000 per child

Jenelle’s Family Financial Tip

Are you worried about the rising cost of raising children in Singapore? Unsure how to balance childcare expenses, your child’s education, and your own retirement planning?

Let’s turn that concern into clarity. Using the visual planning tool—which many of my clients say was the moment everything “clicked”—you’ll see where you are now, where you want to be, and how to get there, creating real-life scenarios and goals in between. It’s based on real data, not guesswork.

📩 Reach out if you want to gain clarity on where you are and what to prioritise next.

Let’s journey together—toward financial confidence, one step at a time.