Budgeting for a domestic helper in Singapore requires more than just a monthly salary figure. Employers should plan for recurring expenses, one time fees, and potential replacement costs. A clear cost plan protects your household budget and helps you choose the right helper profile with confidence.
Monthly costs to expect
Monthly expenses typically include salary, levy, insurance, and daily living costs such as food and transport. Rest day compensation may apply when a rest day is worked. These costs add up, so track them in a simple spreadsheet.
- Helper salary based on nationality and experience
- Monthly levy at the applicable rate
- Insurance premiums if paid monthly
- Meals and daily household expenses
- Rest day compensation when applicable
One time and occasional fees
Initial hiring costs can include agency fees, medical screening, Settling In Programme, and airfare for new helpers. Replacement or transfer arrangements may also involve fees. Ask the agency for a written schedule so you can plan for each item.
- Agency placement and service fees
- Work permit processing and security bond setup
- Medical screening and orientation programmes
- Airfare or overseas administrative charges
- Replacement or transfer related fees if needed
Cost differences by helper profile
Costs can vary by nationality, experience level, and whether the helper is a transfer or new hire. Helpers with specialized childcare or eldercare experience may have higher salary expectations. Transfer helpers may reduce some upfront costs, but agency fees can differ.
- Experienced caregivers often command higher salaries
- Transfer helpers may reduce travel related expenses
- Overseas hires can require extra onboarding costs
- Language skills or certifications may affect salary
Questions to ask the agency
Before you commit, ask the agency to explain the full cost schedule and when each payment is due. Clarify what happens if the first match does not work out and whether replacement fees apply. This protects your budget and reduces stress later.
- Which fees are refundable if the match fails?
- Are there extra costs for training or certifications?
- Does the fee include support after placement?
- How will costs change if you switch to a transfer helper?
Tracking expenses monthly helps you spot changes early. Keep a simple budget sheet for salary, levy, and household costs so you can plan ahead.
If costs rise, review routines and identify areas where time or supplies can be managed better without reducing care quality.
Set aside a small contingency fund to cover unexpected medical or travel related expenses.
Budgeting tips for employers
Build a buffer for unexpected costs such as additional training or temporary coverage. Compare multiple agencies so you can understand fee ranges and avoid overpriced packages. A clear budget lets you focus on selecting the best helper for your household rather than worrying about hidden costs.
Review your budget every few months, especially if your household needs change. A new baby, school schedule changes, or eldercare needs can increase workload and costs. Planning ahead helps you avoid last minute decisions that could affect the helper or the household.
When you map out all costs upfront, hiring a domestic helper becomes more predictable and less stressful. A realistic budget also helps you maintain a stable long term arrangement without financial pressure.
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