By MoneyBees
See how much SkillsFuture Credit you have in 2026, what a course costs after the 70% or 90% subsidy and GST, and how much cash you still pay after your credit.
The course page on MySkillsFuture shows the subsidy.
IHL qualifications, SCTP, PWM courses, literacy and numeracy.
Credit left
$4,500
$500 opening, $4,000 Mid-Career
Course fee after subsidy
$381.00
90% off, GST $81.00
Cash you pay
$0.00
credit covers $381.00
The $3,000 course gets a $2,700.00 subsidy under the Mid-Career Enhanced Subsidy. GST of 9% is charged on the fee after the 70% baseline subsidy, so you owe $381.00.
Your Mid-Career credit cannot pay for this course.
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| Credit | Who gets it | Amount | Expiry |
|---|---|---|---|
| Opening credit | Citizens 25 and above | S$500 | None |
| Mid-Career credit | Citizens 40 and above | S$4,000 | None |
| 2020 one-off top-up | Citizens 25 and above | S$500 | Ended 31 Dec 2025 |
The Mid-Career credit pays only for selected courses. The 2020 Mid-Career Support balance was merged into it and no longer expires.
| Tier | Citizens and PRs | Citizens 40 and above |
|---|---|---|
| Tier 1 | up to 70% | up to 90% |
| Tier 2 | up to 50% | up to 70% |
Source: SWDA. Tier 2 needs you to be at least 21. Your employer can get up to 90% if it is an SME and sponsors you.
You are 45 and take a S$3,000 Tier 1 course. The subsidy is 90%, or S$2,700. GST is 9% of the S$900 left after the 70% baseline, S$81. You owe S$381.
If the course is on the Mid-Career list, your S$4,000 credit pays all of it. If not, your S$500 opening credit does.
Figures checked 3 Oct 2026.
Every Singapore Citizen gets S$500 from the year they turn 25. Citizens 40 and above also get S$4,000 of SkillsFuture Credit (Mid-Career). Log in to MySkillsFuture to see what is left after past claims.
The S$500 opening credit and the S$4,000 Mid-Career credit do not expire. The one-off S$500 top-up from 2020 expired on 31 December 2025.
Selected courses only: full qualifications and stackable modules at institutes of higher learning, SkillsFuture Career Transition Programmes, Progressive Wage Model courses, workplace literacy and numeracy, and MOE-subsidised arts qualifications.
Citizens aged 40 and above on 1 January 2024 got it in May 2024. Citizens who turn 40 later get it at the end of January in the year they turn 40.
For self-sponsored learners, up to 70% on Tier 1 courses and 50% on Tier 2. Citizens 40 and above get the Mid-Career Enhanced Subsidy: up to 90% on Tier 1 and 70% on Tier 2.
Yes, at 9% if the provider is GST-registered. On Tier 1 it is charged on the fee after the baseline subsidy; on Tier 2 on the full fee. Your credit can pay the GST too.
No. The credit is for Singapore Citizens. PRs can still get the baseline course fee subsidy.
No. Submit the claim on MySkillsFuture before the course start date. The credit is paid to the training provider.
These calculators provide general estimates for educational purposes only and are not personalised financial advice. Results may rely on rates and rules that change over time, so verify against official sources (IRAS, CPF Board, HDB, MAS) or consult a licensed financial adviser before making decisions.
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