Where should we start with family time, money and leave?

What matters most for the whole family?

Time together, money that arrives when it is needed, and a plan for the weeks when care falls through. These do not belong to one stage: they come round every year, so a little planning each January or after each Budget goes a long way.

Which decisions and deadlines are ahead?

1. Each year: plan leave around public holidays and MOE school holidays. Calendars for 2026 and 2027 are in the leave optimiser.
2. Tax season: check the child reliefs. Qualifying Child Relief is S$4,000 per child and Grandparent Caregiver Relief is S$3,000, under IRAS conditions.
3. Credits: Budget 2026 gives a one-off S$500 Child LifeSG Credit to every Singapore citizen child aged 0 to 12 in 2026: born 2014 to 2025 paid in July 2026, born 2026 paid in April 2027.
4. Payouts: Child Credits of S$2,000 a year from April 2027, then a S$10,000 PSEA top-up in the year a child turns 17.
5. Protection: compare each working parent’s cover with the LIA rule of thumb of 9 times annual income for death and 4 times for critical illness. It is an industry benchmark.
6. Celebrations and weekends: budget birthdays from editable estimates and pick outings that fit the day.

Which tools and downloads help?

• School holidays + leave optimiser: the breaks that stretch your leave furthest.
• Family care coverage planner: cover for school holidays and centre closures.
• Parent tax relief stacker: what the child reliefs save this year.
• Our family’s year: each child’s schemes this year and next deadlines, in one calendar.
• Child LifeSG Credits tracker: what has landed and what is still to come.
• Family cost projector: every child’s education costs year by year, and the overlap years.
• Education savings projector: CDA, PSEA and your savings against an estimated university bill.
• Family insurance gap checker: cover against the LIA benchmark, with no insurer named.
• Birthday party planner and What can we do today?: celebrations and weekends.

Print the Birthday party checklist and budget sheet, the Outing packing list, the Family screen-use agreement and the Backup-care contact sheet. Members also get the School holiday leave-days planner 2027.

What should you check elsewhere?

IRAS decides your tax, LifeSG and MOE decide credits and payouts, and the LIA benchmark is a population average, not a recommendation. We never name, rank or recommend an insurer or a product. Your LifeSG app holds the authoritative record of what your family has received.