Singapore Utilities Bill Estimator
Estimate a household SP electricity bill at the regulated tariff plus PUB water (tariff, water conservation tax and waterborne fee), including 9% GST. Defaults to the Q4 2026 electricity tariff announced 30 September 2026.
Read the kilowatt-hours from your last SP bill, or try 350–450 kWh for a typical 4-room flat without heavy air-con.
Cubic metres from the PUB/SP water section. 15–25 m³ is common for a small household.
SP revises the regulated tariff every quarter. Q4 2026 is 28.59 cents/kWh before GST; Q3 2026 was 31.91 cents.
GST Voucher – U-Save is credited on the bill for eligible HDB households. Enter 0 if you are not sure.
Bill estimate
Open Electricity Market retailer plans are not modelled — this is the SP regulated tariff. Water uses PUB domestic rates from 1 April 2025. Sanitary fittings fees no longer appear as a separate line on most bills. Not a substitute for your SP invoice.
In-depth guide
Electricity and water bills in Singapore: tariffs, taxes, GST and U-Save
How the SP Group electricity tariff and PUB water charges (tariff, Water Conservation Tax and waterborne tax) add up, the current tariffs, GST, the effect of the 40 m³ tier, and a worked example.
Key figures at a glance
- Electricity tariff, Q4 2026 (1 Oct–31 Dec)
- 28.59 cents/kWh before GST (31.16 cents with GST)
- The regulated SP Group tariff for households that have not switched retailer. Revised every quarter.
- Source: SP Group
- Water tariff
- $1.43 per m³ for the first 40 m³, $1.81 above
- From 1 April 2025, before the other charges and GST.
- Source: PUB
- GST
- 9% on electricity and water
Estimating a monthly utilities bill: step by step
Use readings from your last bill. The estimate assumes you are on the regulated SP tariff.
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Step 1: Find your usage
On your last billElectricity is in kWh and water is in cubic metres (m³).
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Step 2: Pick the tariff quarter
In the calculatorThe electricity tariff is revised every quarter. Use the one that matches your bill period.
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Step 3: Apply the water tiers
In the calculatorUsage above 40 m³ a month is charged at higher rates for every component.
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Step 4: Add GST and subtract any U-Save rebate
In the calculatorGST is 9%. Any U-Save rebate or other credit reduces the total.
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Step 5: Compare your retailer if you switched
If you use an Open Electricity Market retailerRetailers' rates differ from the regulated tariff, so compare with the figure on your contract.
How the bill is built
A Singapore household's SP Group bill combines:
- Electricity — kWh used × the regulated tariff, plus GST.
- Water — PUB's tariff, the Water Conservation Tax and the waterborne tax for each cubic metre, plus GST.
Electricity
The regulated tariff for Q4 2026 (1 October to 31 December) is 28.59 cents per kWh before GST (31.16 cents with GST). It includes network costs, energy costs and market fees. If you have switched to an Open Electricity Market retailer, your rate will be different.
Water
PUB's prices from 1 April 2025, per cubic metre before GST:
| Component | First 40 m³ | Above 40 m³ |
|---|---|---|
| Tariff | $1.43 | $1.81 |
| Water Conservation Tax | $0.72 (50% of tariff) | $1.18 (65% of tariff) |
| Waterborne tax | $1.09 | $1.40 |
| Total | $3.24 | $4.39 |
GST of 9% is added to the total.
Worked example
A household using 400 kWh and 20 m³ in Q4 2026:
| Item | Before GST | With GST |
|---|---|---|
| Electricity: 400 × 28.59 cents | $114.36 | $124.65 |
| Water: 20 × $3.235 | $64.70 | $70.52 |
| Total | $195.17 |
Using 50 m³ of water instead: the first 40 m³ cost about $129.40 and the next 10 m³ about $43.87, so around $173.27 before GST, or $188.86 with GST.
Tip: Every cubic metre above 40 m³ costs about 35% more than those below. A household near the threshold saves most by cutting the last few m³.
U-Save and other credits
Eligible HDB households receive GST Voucher – U-Save rebates that reduce the utilities bill. Enter the amount from your own notice, since the rebate depends on flat type and scheme year.
Common mistakes
- Using a stale tariff. The electricity rate changes every quarter.
- Forgetting the waterborne tax. It is a large part of the water price.
- Ignoring the 40 m³ threshold. All three water components step up.
- Adding GST twice. The tariff figures here exclude GST unless stated.
- Applying the regulated tariff to a retailer plan.
Related tools
- Take-home pay calculator — see how much of your pay the bills take.
- Percentage calculator — compare bills month on month.
Frequently asked questions
What is the Singapore electricity tariff in Q4 2026?
28.59 cents per kWh before GST for households on the SP regulated tariff (announced 30 September 2026). GST at 9% is extra.
How is the water bill calculated?
PUB charges a two-tier tariff ($1.43 / $1.81 per m³), Water Conservation Tax at 50% / 65% of that tariff, and a waterborne fee of $1.09 / $1.40, then 9% GST.
Does this work if I switched to an electricity retailer?
No. Enter only if you still pay the regulated tariff, or treat the result as a benchmark against your retailer plan.
What is U-Save?
A GST Voucher credit for eligible HDB households, shown as a rebate on the SP bill. It is not automatic for private apartments.
Why is my bill higher than this estimate?
Air-conditioning, water heating, estimated reads, gas, refuse, late fees or a retailer contract can all differ. Compare kWh and m³ first.
Is GST included?
The headline cards include 9% GST. Component lines show amounts before GST as well.
Do I pay a sanitary appliance fee?
PUB folded used-water charges into the waterborne fee. This estimator does not add a per-fitting sanitary fee.
Is this SP or PUB advice?
No. Confirm tariffs on SP Group and PUB. Rates change.
Sources
This guide explains published rules in plain language. It is not financial, legal or official advice — rules change, so confirm with the agency linked above before you commit.