Singapore Baby Bonus Calculator
Estimate Baby Bonus cash, CDA First Step, and government co-matching for Singapore Citizen children born on or after 18 February 2025.
Count all living children of the parents as used for Baby Bonus birth-order rules, including this child.
Amount you plan to put into the CDA. Government matches dollar-for-dollar up to the cap for that birth order.
Baby Bonus estimate
About this Singapore Baby Bonus calculator
Baby Bonus is the cash gift plus Child Development Account (CDA) support for Singapore Citizen children. From 18 February 2025 the amounts include a higher CDA First Step for third and later children (Large Families First Step) and higher matching caps at higher birth orders.
First child: $11,000 cash, $5,000 First Step, matching cap $4,000. If parents deposit the full $4,000, government CDA is $9,000 and total government support is $20,000 ($11k cash + $5k First Step + $4k match). Second child keeps $11k / $5k but the match cap rises to $7,000. Third and fourth: $13k cash, $10k First Step, $9k match cap. Fifth and later: $13k / $10k / $15k cap.
First Step lands in the CDA without a parent deposit. Matching only happens when you save. Cash gift is paid in stages under MSF rules, not as one lump on the due date — this page shows scheme totals, not the exact payday calendar.
Non-citizen children and births before 18 February 2025 use older tables. This tool is the post-18 Feb 2025 citizen table only.
Run the numbers in the browser, then confirm on the MSF / LifeSG Baby Bonus pages before opening a CDA.
How to use it
- Choose birth order for this child.
- Enter how much you will deposit into the CDA (can be $0).
- Read cash, First Step, matching, and total government support.
Key terms and concepts
Cash gift is paid to eligible parents in scheduled tranches.
CDA First Step is a government deposit into the Child Development Account. Third-and-later children receive the Large Families amount ($10,000).
Matching is dollar-for-dollar on parent deposits up to the cap.
CDA balance after a deposit is First Step + parent deposit + match (not shown as a fifth card, but used in the engine).
Common use cases
- Deciding how much to save into a first child’s CDA to hit the $4,000 cap.
- Comparing second versus third child government support.
- Explaining Large Families First Step ($10,000) to relatives.
- Budgeting infant care fees against CDA funds.
Examples
Example 1 — 1st child, $4,000 deposit. Cash $11,000, First Step $5,000, match $4,000. Total government $20,000.
Example 2 — 1st child, $0 deposit. Total government $16,000 (no match).
Example 3 — 3rd child, $9,000 deposit. Cash $13,000 + First Step $10,000 + match $9,000 = $32,000 government.
Example 4 — 5th child, $15,000 deposit. Match cap $15,000. Government $13k+$10k+$15k = $38,000.
Important notes
Citizenship and birth date must match the scheme. This table is for SC children born on or after 18 Feb 2025.
CDA uses (infant care, healthcare, education) follow MSF’s approved list.
Not financial advice. Confirm on MSF / LifeSG.
Frequently asked questions
How much is Baby Bonus for a first child from 18 Feb 2025?
Cash $11,000, CDA First Step $5,000, matching cap $4,000. Full parent deposit → $20,000 government in total.
What is Large Families First Step?
Third and later children receive $10,000 CDA First Step instead of $5,000.
Do I need to deposit to get First Step?
No. First Step is a government CDA deposit. Matching requires your money.
What if I deposit more than the cap?
Only the cap is matched. Extra savings still sit in the CDA but are not doubled.
Is the cash gift paid on the day of birth?
It is paid in stages under MSF rules. This page shows scheme totals.
Does this include MediSave maternity grants?
No. Those are separate schemes.
Are PRs eligible?
Baby Bonus is for Singapore Citizen children. Check MSF for other grants.
Fourth versus fifth child?
Third and fourth share $13k/$10k/$9k. Fifth and later raise the match cap to $15,000.
Can I use this for a 2024 birth?
No. Use the pre-18 Feb 2025 table on MSF.
Are figures stored?
No. The calculation runs in your browser.