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What will our baby's first year cost?

First-year baby cost estimator

Choose your hospital, delivery, confinement, care and gear. See a rough cost for your baby's first year, how much of it the cash gift pays, and what the CDA and MediSave grant can pay for.

New to this? Read the short guide first →

Page updated · Delivery anchors from MOH bills; the rest are estimates

Step 1 Your numbers

Your choices

Birth order changes the CDA grant and matching cap, by LifeSG's figures.

Babies born from 1 April 2027 get the SG Child Support Package.

Nothing you enter leaves this device.

Step 2 Your result

Your baby's first year could cost about

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Delivery, after MediSave
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Confinement month
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Gear and essentials
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Care for 8 months
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Running costs for 12 months
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Cash support in the first year
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Left to pay from your own money
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Support that is not cash

These pay only approved bills, so they are not taken off the cost above.

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    What this estimate assumes

    Rough planning numbers, not quotes. Only the cash gift is taken off the cost. The CDA grant, CDA matching (which needs your own deposit) and the MediSave Grant for Newborns pay only approved bills, so they are listed separately. Delivery bills are MOH's latest published median hospital bills (Singapore Citizens discharged in 2023). The delivery line takes off what the parents' MediSave Maternity Package can pay, as the delivery bill estimator does. Insurance is left out. Check your hospital's own estimate. Every other figure is a mid-2026 market estimate. Antenatal care and insurance are left out. Verify delivery costs with MOH hospital bills. Delivery figures checked .

    Source: MOH hospital bills ↗ (opens in new tab)Data period: MOH bill sizes for Singapore Citizens discharged 1 Jan to 31 Dec 2023Last checked:

    Source: CPF MediSave Maternity Package ↗ (opens in new tab)Period: not stated by the sourceLast checked:

    Source: LifeSG Baby Bonus Scheme ↗ (opens in new tab)Data period: births from 1 April 2025Last checked:

    Source: LifeSG SG Child Support Package (first-year cash) ↗ (opens in new tab)Data period: Cash Gift top-up by 30 April 2027; Baby Gift from 1 April 2027Last checked:

    Source: Made For Families: CDA approved uses ↗ (opens in new tab)Data period: page last updated 23 August 2026Last checked:

    Source: Made For Families: MediSave Grant for Newborns ↗ (opens in new tab)Data period: babies born on or after 1 April 2025; page last updated 24 February 2026Last checked:

    Source: ECDA subsidy tables ↗ (opens in new tab)Data period: from 1 January 2026Last checked:

    Source: MOM levy rates ↗ (opens in new tab)Data period: from 8 July 2026Last checked:

    Step 3 What next

    Next in ExpectingWhen is my fertile window this month?Ovulation and fertile window calculator →Read the guideWhat will our baby’s first year really cost? →

    Common questions

    Does MediSave cover the delivery bill?

    MediSave pays part of it, within CPF’s MediSave Maternity Package limits. The delivery figure here is already after MediSave. MediShield Life does not cover maternity charges: MOH lists “Maternity charges (including Caesarean operations)” as excluded, except treatment for serious complications.

    Why is the CDA not taken off the cost?

    The CDA pays only approved bills, such as infant care fees and baby's medical bills. Matching also needs your own deposit first. The MediSave grant sits in baby's own MediSave for healthcare. Neither can pay gear, confinement or everyday costs.

    Where do the other numbers come from?

    They are mid-2026 market estimates for planning. Change the choices to match your plans and treat the total as a starting point, not a quote.