Hiring a Transfer or New Maid (MDW) in Singapore can feel like navigating a complex financial maze. With rising costs, changing Ministry of Manpower (MOM) levies, and varying salary expectations across different nationalities (Philippines, Indonesia, Myanmar), getting a clear picture of your actual monthly commitment is crucial for your household budget. Use our 2026 Singapore Maid Monthly Cost Calculator below to estimate your precise expenses, from hidden fees to monthly salary breakdowns.
🇸🇬 Singapore Maid Monthly Cost Calculator (2026)
Adjust the parameters to get your estimated budget.
Estimated Monthly Household Budget:
Breaking Down the Monthly Maid Expenses in Singapore (2026)
Hiring an Foreign Domestic Worker (FDW) involves more than just their basic salary. Your monthly financial commitment is made up of several key components that can vary based on the MDW’s nationality and your household status.
1. Monthly Basic Salary
In 2026, the basic salary for foreign helpers has adjusted to reflect the cost of living and source country policies. As our calculator shows, you should budget differently for different nationalities:
- Philippines: Typically expect S$700 or higher due to higher placement fee structures and government-mandated minimal salaries.
- Indonesia & Myanmar: Typically range between S$600 and S$800, often dependent on their experience level and whether it is their first time working in Singapore.
2. Ministry of Manpower (MOM) Levy
This is a mandatory government tax for all FDWs. Who you live with determines which levy you pay:
- Concessionary Levy (S$60): This apply to households living with a young child below 16, a person with disabilities, or an elderly person (67+).
- Normal Levy (S$300 or S$450): Applied for those without dependents. The higher $450 levy applies if you are hiring your second FDW.
3. Food and Utilities Commitment
You are responsible for the well-being of your MDW, which includes providing sufficient food. Most households allow a budget of S$300 to S$400 for monthly groceries and additional utility usage.
4. The Hidden Spreadsheet Costs
Many one-time upfront costs like agency fees, insurance (which must be purchased with an MOM security bond), and medical checks can amount to thousands of dollars. We advise households to spread these costs out mentally. For our calculator, we have allocated an estimated S$30/month to cover these spread-out costs over a typical 24-month contract.
Lowering Your FDW Expenses in 2026
Managing costs does not always mean choosing the cheapest option. Here are strategic ways to save on your helper hiring budget:
- Apply for Govt Subsidies: If you are hiring an MDW specifically for elderly care, check if you are eligible for the Home Caregiving Grant (HCG), which can provide significant monthly relief.
- Consider a “Transfer Maid”: Hiring an helper who is already in Singapore can often result in lower upfront placement fees compared to bringing a “New Maid” from overseas, although their salary might be slightly higher due to experience.
- Check Insurance Coverage: Do not settle for the most basic insurance plan just to save on premiums. A comprehensive plan can save you from massive unexpected medical bills if your helper falls ill or gets into an accident (MOM regulations require specific coverage, so ensure your agency provides an MOM-compliant option).
FAQ: Singapore Maid Monthly Cost & Salary (2026)
What is the typical placement fee for a maid agency in Singapore?
Upfront costs can vary from S$2,000 to over S$5,000. It often covers the maid agency fee, insurance, bond, and travel costs.
Does my maid get a mandatory day off?
Yes. Under current MOM rules, maids are entitled to one mandatory day off per month that cannot be compensated away. This is non-negotiable and intended to improve the MDW’s mental well-being.
When do changing MOM levy rates take effect?
Levy changes usually apply from the start of the next full month. For the most accurate, real-time data, always use the government’s MDW levy calculator.