Baby Bonus & CDA Calculator
Add up the Baby Bonus Cash Gift, CDA First Step grant and government dollar-for-dollar co-matching for your child. Choose the birth order and how much you plan to save into the Child Development Account.
Higher birth orders receive a larger Cash Gift and co-matching cap.
From 18 Feb 2025, 3rd+ children get a $10,000 CDA First Step grant (Large Families top-up), otherwise $5,000.
Government matches dollar-for-dollar up to $4,000 for this birth order.
Total scheme benefit
$20,000
You are claiming the full co-matching for this birth order.
Cash Gift
$11,000
CDA First Step
$5,000
Govt co-matching
$4,000
| Component | Amount |
|---|---|
| Cash Gift | $11,000 |
| CDA First Step grant | $5,000 |
| Government co-matching | $4,000 |
| Total benefit | $20,000 |
Co-matching cap for this birth order is $4,000. The CDA First Step grant is credited automatically with no contribution required.
Estimates only, for births on/after 14 Feb 2023. Final amounts depend on official eligibility and disbursement schedules — verify on the Made for Families and LifeSG portals.
How the Baby Bonus and CDA add up
Your total support comes from three pieces. The Cash Gift is paid out in instalments over the first years and needs no action from you. The CDA First Step grant is credited automatically once you open the Child Development Account. The third piece is government co-matching: for every dollar you save into the CDA, the government adds a matching dollar, up to a cap that depends on your child's birth order.
Getting the most from the CDA
The co-matching cap is the figure to aim for. A 1st child can attract up to $4,000 in matching, rising to $15,000 for a 5th or later child. Money saved in the CDA can be spent at approved institutions such as childcare centres, kindergartens and clinics, and unused CDA savings roll into the Post-Secondary Education Account. To plan how to fund the CDA or longer-term education costs, see our childcare subsidy and education fund calculators.
Frequently asked questions
What is the Baby Bonus Scheme?
Singapore's Baby Bonus Scheme helps parents with the cost of raising children. For Singapore-citizen children, it has two parts: a Cash Gift paid out in instalments, and a Child Development Account (CDA) — a special savings account where the government adds a First Step grant and matches your own savings dollar-for-dollar up to a cap.
How much is the Cash Gift and CDA First Step grant?
For births on or after 14 Feb 2023, the Cash Gift is $11,000 for the 1st and 2nd child and $13,000 for the 3rd child onwards. The CDA First Step grant is $5,000 for the 1st and 2nd child. For 3rd+ children born on or after 18 Feb 2025, the First Step grant is $10,000 under the Large Families scheme (otherwise $5,000).
How does the CDA dollar-for-dollar co-matching work?
On top of the First Step grant, the government matches every dollar you save into the CDA, up to a cap that rises with birth order: $4,000 (1st), $7,000 (2nd), $9,000 (3rd–4th) and $15,000 (5th+). For example, if you save $4,000 for your first child, the government adds another $4,000. Saving beyond the cap earns no further match.
What is the total Baby Bonus benefit per child?
If you contribute enough to claim the full co-matching, the total scheme benefit (Cash Gift + CDA First Step + co-matching) is about $20,000 for the 1st child, $23,000 for the 2nd, $32,000 for the 3rd–4th, and $38,000 for the 5th child onwards (for children born on or after 18 Feb 2025).