Concessionary levy ($60/mo) may apply if household has a Singapore Citizen aged 65+ or a person with disability; otherwise standard levy is $300/mo.
MediSave does not cover helper cost.
Path 2: Day Care Centre
Subsidised rates apply means-testing by per-capita household income. PR receives about half of SC subsidy rate; non-resident has no subsidy.
Note: Ensure evening/night caregiving arrangement at home.
Path 3: Nursing Home
If eligible, this calculator applies up to $750/mo MediSave offset against nursing home fees.
MOH is enhancing LTC subsidies from July 2026. Rates above reflect current 2025 figures.
Deposit usually $3,000–$5,000 one-time (~$83–$139/mo over 3 years).
👩👧 Helper at home
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(true cost)
Best when: family can supervise, elder prefers home, medical needs are low-to-moderate.
Breakdown
🏫 Day care centre
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(after subsidy)
Best when: supervision needed in daytime and family can support evenings/nights.
Breakdown
🏥 Nursing home
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(after subsidy)
Best when: high nursing needs, dementia risk, or caregiver capacity is limited.
Breakdown
Cheapest right now: based on current inputs
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💡 Financial Support Available
• MediSave: Up to $750/mo for nursing home fees
• CareShield Life: Payouts if unable to perform ≥3 ADLs (from $600/mo)
• ElderFund: For those who need more help (apply via AIC)
• Carer Relief: $1,500/yr tax relief for qualifying caregivers