Staycation vs overseas holiday calculator

Compare a Singapore staycation with a short trip abroad for the same nights: room rates with service charge and GST, flights with Changi's departure charges and the new SAF levy, spending money and travel insurance.

Calculator

The trip

Staycation

S$
S$

Overseas

S$

Changi charges S$65.20 per departing passenger.

Flights departing from 1 Jan 2027, tickets sold from 1 Oct 2026.

S$
S$

Food, transport, activities.

S$
S$

Airport transfers, visas, data roaming.

Staycation

$1,319.40

$659.70 per person

Overseas

$1,460.00

$730.00 per person

Staycation saves

$140.60

over 2 nights

Side by side

StaycationOverseas
Getting there$0.00$400.00
Room$719.40$300.00
Food, activities, spending$600.00$720.00
Insurance and extras$0.00$40.00

Daily spending counts the nights plus one, for the day you leave.

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Changi charges per departing passenger

1 Apr 2026 to 31 Mar 20271 Apr 2027 to 31 Mar 2028
Passenger Service and Security Fee (incl. GST)S$46.40S$49.40
Aviation LevyS$8.00S$10.00
Airport Development LevyS$10.80S$10.80
TotalS$65.20S$70.20

SAF levy for economy and premium economy, flights from 1 Jan 2027: S$1.00 Southeast Asia, S$2.80 Northeast and South Asia and Australia, S$6.40 Europe, Middle East, Africa and NZ, S$10.40 the Americas. Business and first pay four times as much. Transit passengers do not pay it.

Reading a hotel rate

Singapore hotels often quote a ++ rate. IRAS notes that a service charge, typically 10%, is added, and 9% GST is charged on the room and the service charge. So a S$300++ room costs S$359.70 a night.

The SingapoRediscovers Vouchers could be used until 31 March 2022 and have since ended.

Worked example

Two people, two nights. A staycation at S$300++ a night is S$719.40 for the room, plus S$100 a day each for three days, S$600: S$1,319.40. A trip with S$200 return fares, a S$150 hotel, S$120 a day each and S$20 insurance each costs S$400 + S$300 + S$720 + S$40, S$1,460. The staycation saves S$140.60. If the fares were quoted before airport charges, add S$65.20 each.

Frequently asked questions

It depends on the room rate and on fares. A staycation has no flights or insurance, but Singapore hotel rates are often high once service charge and GST are added. Put in your own prices for both to compare.

The rate is before a service charge, typically 10%, and 9% GST, which IRAS says is charged on the service charge too. A S$300++ room comes to S$359.70.

For a passenger starting a trip at Changi, S$65.20 per departure from 1 April 2026 to 31 March 2027: the Passenger Service and Security Fee of S$46.40, the Aviation Levy of S$8.00 and the Airport Development Levy of S$10.80. It rises to S$70.20 from 1 April 2027.

A sustainable aviation fuel levy CAAS charges on tickets sold from 1 October 2026 for flights departing Singapore from 1 January 2027. In economy it is S$1.00 to Southeast Asia, S$2.80 to Northeast Asia, South Asia and Australia, S$6.40 to Europe, the Middle East, Africa and New Zealand, and S$10.40 to the Americas. Premium cabins pay four times as much.

No. They could be used until 31 March 2022, for experiences booked by 31 December 2021.

For an overseas trip, yes, as a cost per person. Our travel insurance claim calculator shows what a policy pays on common claims.

A two-night trip spans three days: arrival, a full day and the day you leave. The calculator counts nights plus one.

Keep exploring

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.

Junxiong-WFG Organisation is an authorised representative of AIA Financial Advisers Private Limited (Reg. No. 201715016G).