Singapore: MOE Tuition Grant Bond Evaluator
Estimate your MOE Tuition Grant (TG) work bond duration, total subsidy received, and the liquidated damages payable if the bond is broken — including the statutory 10% per annum compound interest.
Liquidated Damages Payable
How It Works
The Bond Mechanics
- Bond length: 3 years of full-time work in a Singapore-registered entity for PR and International Students. Singapore Citizens are not bonded.
- Liquidated damages: Total TG disbursed + 10% per annum, compounded at 12-month intervals from the first month of each grant's academic year.
- Pro-rata reduction: Damages are reduced by the proportion of the bond already served (e.g. 18 months of 36 = 50% off).
- Late payment: Overdue liquidated damages accrue further interest at 3-month compounded SORA + 4.5% p.a. (not modelled here).
Important Caveats
This estimator compounds each annual TG tranche separately by its own years-since-disbursement, derived from the "Years Since First TG Disbursement" value minus the tranche's year index. The MOE's official Tuition Grant Online (TGonline) system uses the exact disbursement date of each tranche, so the figures here are indicative — always confirm with MOE for binding numbers.
Annual TG amounts vary by cohort, course group, and institution. Use your actual TG Agreement or TGonline statement for accuracy.
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