Tuition Fee Loan Calculator Singapore 2026
Estimate your MOE Tuition Fee Loan monthly repayments and total interest. Compare the cost of paying tuition upfront versus taking the TFL loan to make an informed decision about financing your university education.
Pay Upfront vs Take TFL Loan
| Scenario | Pay Upfront | TFL Loan |
|---|---|---|
| Amount Needed Now | $36,800.00 | $9,200.00 |
| Total Interest | $0.00 | $15,099.40 |
| Total Cost | $36,800.00 | $51,899.40 |
| Monthly Commitment | — | $355.83 |
TFL loan assumes 75% financing at 5% p.a. with 10-year repayment after graduation.
About MOE Tuition Fee Loan
The MOE Tuition Fee Loan (TFL) covers up to 75% of subsidised tuition fees at autonomous universities in Singapore. Interest is currently pegged at ~4.75%–5% p.a. and begins accruing from the first disbursement. Repayment starts one year after graduation with a maximum repayment period of 10 years and a minimum monthly instalment of S$100.
How to Use This Calculator
- Enter your annual tuition fee (after MOE Tuition Grant, if applicable).
- Set your course duration in years.
- Adjust the loan percentage (MOE TFL covers up to 75%).
- Key in the annual interest rate (default ~5% p.a.).
- Set the repayment period after graduation (max 10 years for TFL).
- Review the breakdown and comparison table below.
Key Parameters
| Parameter | MOE TFL |
|---|---|
| Max Loan Coverage | 75% of subsidised fees |
| Interest Rate | ~4.75%–5.0% p.a. |
| Interest Accrual | From first disbursement |
| Repayment Start | 1 year after graduation |
| Max Repayment Period | 10 years |
| Min Monthly Instalment | S$100 |
Last updated: March 2026· Rates are indicative and may change.
Frequently Asked Questions
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Disclaimer: This calculator provides estimates based on standard MOE TFL terms and is for reference only. Actual loan terms, interest rates, and repayment amounts may vary. Please consult the administering bank for the most up-to-date information.