Singapore Electricity Tariff Calculator 2026 — Estimate Your Real Monthly SP Group Bill at the Current Q3 Regulated Rate of 34.78 Cents per kWh Including 9% GST, See Exactly Which Appliances Drive Your Bill With Air-Conditioning Typically 40 to 60 Percent, Net Off Your U-Save GST Voucher Rebate by HDB Flat Type, and Compare Whether Switching to an Open Electricity Market Retailer Plan Would Save You Money

FOR THE THIRD QUARTER OF 2026 (1 JULY TO 30 SEPTEMBER), THE SP GROUP REGULATED ELECTRICITY TARIFF FOR HOUSEHOLDS IS 31.91 CENTS PER KWH BEFORE GST, OR 34.78 CENTS PER KWH WITH 9% GST ADDED. THE HEADLINE NUMBER: If you are on the regulated tariff — which is the default option most Singapore households are on — you pay 34.78 cents for every kilowatt-hour of electricity you use, GST included. This is the rate this calculator uses by default. THE 17% JUMP: The Q3 2026 tariff rose about 17% from the previous quarter — one of the steepest quarterly increases in recent memory. The tariff climbed 4.64 cents from the previous quarter 27.27 cents (before GST) level, driven by higher imported natural gas costs tied to Middle East geopolitical tensions. WHY IT CHANGES EVERY QUARTER: SP Group reviews the tariff every quarter under guidelines set by the Energy Market Authority (EMA). The energy-cost component is set using average natural gas prices from the first two and a half months of the preceding quarter. Because Singapore generates roughly 95% of its electricity from imported natural gas tied to global oil prices, gas-price swings flow through to your bill with a lag. THE COMPONENTS OF THE TARIFF: The tariff has several parts — the energy cost (paid to generation companies, adjusted quarterly, the largest and most volatile portion), the network cost (paid to SP Group for transporting electricity, reviewed annually), and market support and administrative fees. THE PRACTICAL IMPACT: For an average four-room HDB flat, the Q3 2026 increase adds about S$17.14 more per month before GST — over S$50 across the quarter, and more than S$200 a year. Larger flats and landed homes, which consume far more, see bigger increases. THE OUTLOOK: EMA has signalled that subsequent quarters could rise further as the full effect of elevated gas prices is incorporated, though tariffs could ease if gas prices stabilise. THE PRACTICAL POINT: This calculator applies the current Q3 2026 rate of 34.78 cents/kWh (with GST) automatically, so your estimate reflects what you will actually pay now — unlike older calculators still using outdated rates like 24 cents/kWh.

YOUR MONTHLY ELECTRICITY BILL IS SIMPLY YOUR MONTHLY USAGE IN KILOWATT-HOURS MULTIPLIED BY THE TARIFF RATE PER KWH — BUT GETTING AN ACCURATE ESTIMATE MEANS USING THE CURRENT GST-INCLUSIVE RATE AND ACCOUNTING FOR YOUR U-SAVE REBATE. THE BASIC FORMULA: Monthly bill = Monthly usage (kWh) x Tariff rate (S$/kWh). At the Q3 2026 regulated tariff of 34.78 cents/kWh (0.3478 dollars per kWh, GST included), a household using 420 kWh a month pays 420 x 0.3478 = about S$146 before any rebate. FINDING YOUR MONTHLY USAGE: (1) Check your SP Group bill or the SP app, which shows your exact kWh consumption each month. (2) If you do not have a bill handy, use a typical figure for your home type: roughly 300 kWh for a 3-room HDB flat, 420 kWh for a 4-room, 500 kWh for a 5-room, 600 kWh for an executive flat, and 1,000+ kWh for a landed home. This calculator pre-fills sensible defaults by home type. THE TWO WAYS TO ESTIMATE: (1) TOTAL USAGE MODE: Enter your total monthly kWh and the calculator applies the tariff and splits it into typical appliance groups for the chart. (2) APPLIANCE MODE: Enter your air-conditioning hours and other appliances individually, and the calculator builds your usage bottom-up — useful if you want to see exactly what drives your bill. THE GST DETAIL: The regulated tariff is quoted both before GST (31.91 cents) and with GST (34.78 cents). Your actual bill includes GST, so always use the GST-inclusive rate for a realistic figure. This calculator shows both the before-GST energy charge and the GST amount separately, then the total. THE REBATE STEP: If you live in an eligible HDB flat, your quarterly U-Save rebate reduces your net cost. This calculator subtracts your U-Save (divided into a monthly portion) to show your true net bill. THE PRACTICAL POINT: Enter your usage (or let the home-type default fill it), confirm the current tariff is applied, add your U-Save rebate, and the calculator gives you an accurate monthly and annual figure — plus a breakdown of which appliances cost the most.

THE SINGLE BIGGEST REASON SINGAPORE ELECTRICITY BILLS ARE HIGH IS AIR-CONDITIONING, WHICH TYPICALLY ACCOUNTS FOR 40% TO 60% OF A HOUSEHOLD BILL IN OUR TROPICAL CLIMATE — COMBINED WITH THE RECENT SHARP TARIFF INCREASES. THE AIR-CONDITIONING FACTOR: In Singapore hot, humid weather, cooling dominates household energy use. A single air-conditioning unit running about 10 hours a day can use 150 to 200 kWh per month by itself — often more than all other appliances combined. The longer you run the AC, the lower the temperature you set, and the more units you run, the more this share grows. This is why the calculator highlights your AC share of the bill. THE TARIFF FACTOR: The Q3 2026 regulated tariff of 34.78 cents/kWh (with GST) is about 17% higher than the previous quarter, so even unchanged usage now costs noticeably more. Tariffs are set by imported natural gas prices, which have risen due to global geopolitical tensions. THE OTHER DRIVERS: (1) WATER HEATERS: Instant and storage water heaters draw significant power. (2) REFRIGERATORS: Run 24/7, an older or larger fridge can be a steady drain. (3) MULTIPLE OCCUPANTS AND DEVICES: More people means more cooling, laundry, cooking, and device charging. (4) OLDER, LESS EFFICIENT APPLIANCES: Appliances with fewer NEA energy-label ticks use more power for the same output. (5) STANDBY POWER: Devices left on standby quietly add up. HOW TO DIAGNOSE YOURS: Use this calculator appliance mode to enter your AC hours and other appliances individually — the breakdown shows exactly where your money goes. If AC is 50%+ of your bill, cooling habits are your biggest lever; if it is lower, look at water heating and older appliances. THE PRACTICAL POINT: A high bill is usually a combination of heavy AC use and the current elevated tariff. The calculator quantifies the split so you can target the biggest driver — and the expert tips below show the highest-impact ways to cut each component.

AT THE Q3 2026 TARIFF OF 34.78 CENTS/KWH, RUNNING ONE AIR-CONDITIONING UNIT ABOUT 8 HOURS A DAY COSTS ROUGHLY S$83 TO S$110 A MONTH, AND HEAVIER USE CAN PUSH A SINGLE UNIT WELL ABOVE S$100. THE CALCULATION: A typical inverter air-conditioning unit (9,000 to 12,000 BTU) uses approximately 1 kWh per hour of operation. Running it 8 hours a day for 30 days uses about 240 kWh per month. At 34.78 cents/kWh, that is 240 x 0.3478 = about S$83.50 per month for one unit. Run it 10 hours a day and usage rises to about 300 kWh, or roughly S$104 per month. Run two units and you double it. THE VARIABLES THAT MATTER: (1) HOURS PER DAY: The most direct lever — every extra hour adds cost. (2) NUMBER OF UNITS: Each additional unit running simultaneously multiplies the cost. (3) TEMPERATURE SETTING: A lower set temperature makes the compressor work harder and longer. Raising the setting from 22C to 25C can cut AC energy use meaningfully. (4) UNIT EFFICIENCY: Inverter units with more NEA energy-label ticks use less power; older non-inverter units use considerably more. (5) ROOM SIZE AND INSULATION: Larger or poorly insulated rooms need more cooling. WHY THIS MATTERS SO MUCH: Because AC is typically 40 to 60% of a Singapore household bill, small changes to AC habits have an outsized effect on your total bill — far more than switching off a few lights. THE HIGH-IMPACT LEVERS: Set the AC to 25C, use a timer to switch off after you fall asleep, pair it with a ceiling or standing fan (which lets you feel comfortable at a higher AC setting), service it regularly so it runs efficiently, and close doors and curtains to keep cool air in. THE PRACTICAL POINT: This calculator appliance mode lets you enter your exact AC hours and number of units, so you can see precisely what your cooling costs and model how cutting an hour or two a day, or raising the temperature, would reduce your bill.

THE U-SAVE REBATE IS A GST VOUCHER UTILITIES REBATE THAT THE GOVERNMENT CREDITS DIRECTLY TO ELIGIBLE HDB HOUSEHOLDS SP GROUP UTILITY ACCOUNTS EACH QUARTER, DIRECTLY OFFSETTING PART OF YOUR ELECTRICITY, WATER, AND GAS BILL. HOW IT WORKS: U-Save is part of the GST Voucher scheme, designed to help lower and middle-income Singaporean households with utility costs. It is credited automatically each quarter to your SP account — you do not need to claim it, and it applies whether you are on the regulated tariff or an Open Electricity Market retailer plan. It reduces the net amount you pay. HOW MUCH YOU GET: The rebate amount depends on your HDB flat type, with smaller flats receiving more. Eligible HDB households can receive up to around S$190 or more in a bumper quarter (special tranches have been added in recent Budgets to help with cost of living), with typical per-quarter amounts scaling down from 1- and 2-room flats through to executive flats. The most generous rebates go to 1- and 2-room households; larger flats receive less; private property owners are generally not eligible. ELIGIBILITY: To qualify, the household must be a Singaporean-owned or occupied HDB flat, with conditions on ownership of multiple properties. Most owner-occupied HDB households qualify. HOW IT AFFECTS YOUR CALCULATION: Because U-Save is a quarterly credit, this calculator divides your quarterly rebate by three to get a monthly portion, then subtracts it from your monthly bill to show your true net cost. For example, a 4-room household receiving about S$75 a quarter gets roughly S$25 a month off its bill. THE CUSHION EFFECT: In a quarter like Q3 2026 where tariffs jumped 17%, the U-Save rebate provides a timely cushion — a July U-Save of up to S$190 helps offset the roughly S$17/month increase for a 4-room flat. But at S$17 more a month, the increase still adds over S$200 a year, so the rebate softens rather than eliminates the rise. THE PRACTICAL POINT: Enter your quarterly U-Save amount (the calculator pre-fills a typical figure by flat type) and it shows both your gross bill and your net bill after the rebate — the true amount leaving your pocket.

SWITCHING TO AN OPEN ELECTRICITY MARKET (OEM) RETAILER CAN SAVE YOU MONEY IF YOU LOCK IN A FIXED RATE BELOW THE REGULATED TARIFF OF 34.78 CENTS/KWH — AND IN THE HIGH-TARIFF ENVIRONMENT OF 2026, SEVERAL RETAILERS ARE OFFERING PLANS IN THE HIGH-20-CENT RANGE. WHAT THE OEM IS: The Open Electricity Market lets households buy electricity from licensed retailers instead of the default SP Group regulated tariff. You still receive the same electricity through the same grid, and SP Group still handles the wires and your U-Save rebate — only the price you pay per kWh changes. THE POTENTIAL SAVING: When the regulated tariff is high (34.78 cents/kWh with GST in Q3 2026), fixed-price retailer plans in the high-20-cent range can save meaningfully. For example, a household using 420 kWh a month at 24.5 cents/kWh would pay about S$103 versus about S$146 on the regulated tariff — a saving of over S$40 a month, or more than S$500 a year. This calculator OEM comparison feature computes your exact saving at any quoted retailer rate. THE PLAN TYPES: (1) FIXED-PRICE PLANS: A locked rate per kWh for the contract term — certainty against future tariff rises, the best hedge when tariffs are climbing. (2) DISCOUNT-OFF-TARIFF PLANS: A percentage discount off the prevailing regulated tariff — you save versus the tariff but still move with it. (3) PEAK/OFF-PEAK PLANS: Lower rates at night, higher in the day — good if you shift heavy usage (laundry, some cooling) to off-peak. THE THINGS TO CHECK BEFORE SWITCHING: (1) CONTRACT LENGTH: Typically 12 to 36 months. (2) EARLY-TERMINATION CHARGES: Breaking a contract early can be costly. (3) SECURITY DEPOSIT: Often waived for residential customers. (4) PROMOTIONAL GIFTS AND REBATES: Some plans bundle sign-up gifts, but focus on the underlying rate. (5) AUTO-RENEWAL TERMS: Check what happens when the contract ends. THE PRACTICAL POINT: This calculator lets you enter a quoted retailer rate and instantly see whether it beats the regulated tariff and by how much per month and per year. If tariffs are high and you find a fixed rate comfortably below 34.78 cents/kWh, switching often makes sense — but always weigh the contract terms against the saving.

SINGAPORE ELECTRICITY TARIFFS ARE REVISED EVERY QUARTER BECAUSE THE LARGEST COMPONENT — THE ENERGY COST — IS TIED TO IMPORTED NATURAL GAS PRICES, WHICH MOVE WITH GLOBAL FUEL MARKETS. THE FUEL DEPENDENCE: Singapore generates roughly 95% of its electricity from imported natural gas, and gas prices are linked to global oil prices through commercial contracts. Unlike countries with domestic fuel or large renewable capacity, Singapore is highly exposed to international fuel-price swings. THE QUARTERLY MECHANISM: SP Group sets the tariff each quarter under guidelines from the Energy Market Authority (EMA). The energy-cost component is calculated using the average daily natural gas prices over the first two and a half months of the PRECEDING quarter. For example, the tariff for April to June is set using gas prices from 1 January to 15 March. THE LAG EFFECT: This methodology smooths out short-term price spikes but means changes in global gas prices take time to reach your bill. It also explains why one quarter can jump sharply: the Q3 2026 tariff captured a fuller stretch of elevated gas prices caused by Middle East tensions than the Q2 tariff did, which is why Q3 rose about 17% — a larger jump than the previous quarter. THE COMPONENTS THAT CHANGE (AND DO NOT): (1) ENERGY COST: Adjusted every quarter — the volatile part. (2) NETWORK COST: Paid to SP Group for the grid, reviewed annually — relatively stable. (3) MARKET SUPPORT AND ADMINISTRATIVE FEES: Cover billing, metering, and market operations — relatively stable. So quarter-to-quarter changes are almost entirely driven by the energy (fuel) component. WHAT THIS MEANS FOR YOU: Your per-kWh rate can rise or fall each quarter regardless of your usage. In a rising-gas-price environment like 2026, tariffs have been climbing, and EMA has signalled they could rise further before easing. THE PRACTICAL POINT: Because the rate changes quarterly, always use the current tariff when estimating your bill. This calculator uses the Q3 2026 rate of 34.78 cents/kWh; when a new quarter brings a new rate, the underlying math is identical — just the rate changes. Locking a fixed OEM plan is one way to insulate yourself from these quarterly swings.

AN AVERAGE SINGAPORE HDB HOUSEHOLD USES ROUGHLY 400 TO 500 KWH PER MONTH, THOUGH THIS VARIES SUBSTANTIALLY BY HOME TYPE, HOUSEHOLD SIZE, AND AIR-CONDITIONING HABITS. TYPICAL MONTHLY USAGE BY HOME TYPE: (1) 3-ROOM HDB FLAT: around 300 kWh. (2) 4-ROOM HDB FLAT: around 400 to 450 kWh (the common reference case). (3) 5-ROOM HDB FLAT: around 480 to 520 kWh. (4) EXECUTIVE / MAISONETTE: around 550 to 650 kWh. (5) LANDED HOMES: often 1,000 kWh or more, sometimes several times a flat usage, due to larger floor area, more air-conditioning, water heating, and features like pools. These are the defaults this calculator pre-fills by home type. THE MAIN DRIVERS OF VARIATION: (1) AIR-CONDITIONING: The dominant variable — a household that runs AC all night in multiple bedrooms uses far more than one that uses fans. AC can be 40 to 60% of total usage. (2) HOUSEHOLD SIZE: More people means more cooling, laundry, cooking, water heating, and devices. (3) OCCUPANCY PATTERN: Households where someone is home all day (including work-from-home) use more than those empty during working hours. (4) APPLIANCE EFFICIENCY: Older, less efficient appliances use more for the same output. (5) WATER HEATING: Frequent hot showers via electric heaters add up. HOW TO FIND YOUR EXACT FIGURE: Your SP Group bill and the SP app show your precise monthly kWh. Using your actual figure gives the most accurate estimate; if you do not have it, the home-type default is a reasonable starting point. THE WORK-FROM-HOME EFFECT: Since the pandemic, more Singaporeans work from home at least part of the week, which increases daytime cooling and device use — a factor that has pushed up many households usage. (If you work from home, you may also be able to claim part of the increase as a tax deduction — see our WFH Tax Deductions Checker.) THE PRACTICAL POINT: This calculator lets you enter your actual usage or use a home-type default, so whether you know your exact kWh or just your flat type, you get a realistic bill estimate and appliance breakdown.

YES — GST OF 9% (THE 2026 RATE) APPLIES TO YOUR ELECTRICITY BILL, WHICH IS WHY THE REGULATED TARIFF IS QUOTED BOTH BEFORE GST (31.91 CENTS/KWH) AND WITH GST (34.78 CENTS/KWH) FOR Q3 2026. HOW GST IS APPLIED: The energy charge and other bill components are subject to 9% GST. So the before-GST tariff of 31.91 cents/kWh becomes 31.91 x 1.09 = 34.78 cents/kWh once GST is added — and 34.78 cents is what you actually pay per kWh. Your total bill is the GST-inclusive amount. WHY BOTH FIGURES ARE QUOTED: Official announcements from SP Group and EMA often quote the tariff before GST (for comparison across quarters and with non-household rates), while your actual bill and this calculator use the GST-inclusive figure because that is what leaves your pocket. Always check whether a rate you see quoted is before or with GST — a common source of confusion. THE 2026 GST RATE: Singapore GST rose to 9% from 1 January 2024 and remains 9% in 2026. This calculator applies 9% GST to the before-GST energy charge to arrive at your total. HOW THIS CALCULATOR SHOWS IT: The bill breakdown displays your energy charge at 31.91 cents/kWh before GST, then the 9% GST amount separately, then the total at 34.78 cents/kWh — so you can see exactly how much of your bill is GST. THE U-SAVE INTERACTION: Your U-Save rebate is applied against the GST-inclusive bill, further reducing what you pay. THE BUSINESS NOTE: GST-registered businesses can generally claim the GST on their electricity as input tax, but households cannot — so for a household, the GST-inclusive 34.78 cents/kWh is the true cost. THE PRACTICAL POINT: This calculator always works in GST-inclusive terms for your bill total (while showing the GST component transparently), so your estimate reflects the real amount you will be charged — avoiding the understatement that comes from using the before-GST rate.

THE HIGHEST-IMPACT WAYS TO CUT YOUR SINGAPORE ELECTRICITY BILL ALL START WITH AIR-CONDITIONING, BECAUSE IT IS TYPICALLY 40 TO 60% OF YOUR TOTAL — SO SMALL CHANGES THERE BEAT BIG CHANGES ELSEWHERE. THE AIR-CONDITIONING LEVERS (biggest impact): (1) SET IT TO 25C: Every degree lower makes the compressor work harder; 25C is comfortable and efficient. (2) USE A TIMER: Set the AC to switch off after you fall asleep rather than running all night. (3) PAIR WITH A FAN: A ceiling or standing fan lets you feel comfortable at a higher AC setting, cutting compressor load. (4) SERVICE REGULARLY: A clean filter and serviced unit run more efficiently. (5) CLOSE DOORS AND CURTAINS: Keep cool air in and heat out. (6) CHOOSE INVERTER UNITS with more NEA energy-label ticks when replacing. THE WATER-HEATING LEVERS: (1) Use the instant heater only while showering, not left on. (2) Shorter showers; consider whether you need hot water in Singapore climate. (3) Storage heaters: heat only when needed. THE APPLIANCE LEVERS: (1) CHOOSE HIGH-TICK APPLIANCES: The NEA energy label ticks indicate efficiency — more ticks mean lower running cost. (2) REPLACE OLD FRIDGES: An old, inefficient refrigerator runs 24/7 and can be a hidden drain. (3) SWITCH TO LED LIGHTING: LEDs use a fraction of the power of older bulbs. (4) ELIMINATE STANDBY POWER: Switch off devices at the socket rather than leaving them on standby. THE STRUCTURAL LEVERS: (1) SWITCH TO A CHEAPER OEM PLAN: If a fixed retailer rate beats the regulated tariff, switching cuts your rate on every kWh (see the OEM question). (2) CONSIDER SOLAR if you own a landed home with suitable roof space — though this is a larger investment. (3) SHIFT USAGE TO OFF-PEAK if you are on a peak/off-peak plan. THE MEASUREMENT HABIT: Track your monthly kWh via the SP app to spot creeping increases early. THE PRACTICAL POINT: Use this calculator appliance mode to see your personal breakdown, then focus your effort on the biggest slice — almost always air-conditioning. Cutting AC from 10 to 7 hours a night, or raising the temperature a couple of degrees, typically saves more than switching off every light in the house.

THIS CALCULATOR GIVES A CLOSE ESTIMATE OF YOUR MONTHLY BILL BASED ON THE CURRENT REGULATED TARIFF AND YOUR USAGE, BUT IT IS A PLANNING TOOL — YOUR ACTUAL SP GROUP BILL IS THE DEFINITIVE FIGURE. WHAT MAKES IT ACCURATE: (1) CURRENT TARIFF: It uses the Q3 2026 regulated rate of 34.78 cents/kWh with GST — the actual rate you pay now, unlike older calculators using stale rates. (2) CORRECT GST: It applies the current 9% GST. (3) U-SAVE NETTING: It subtracts your quarterly U-Save rebate for a true net figure. (4) REAL USAGE: If you enter your actual monthly kWh from your SP bill, the energy-charge calculation is essentially exact. WHERE ESTIMATES COME IN: (1) APPLIANCE SPLITS: In total-usage mode, the appliance breakdown uses typical Singapore proportions (AC around 50%, etc.) — your actual split may differ. Use appliance mode for a more personalised breakdown. (2) APPLIANCE MODE ASSUMPTIONS: Appliance mode uses typical power figures (for example, about 1 kWh per hour for an inverter AC unit) — your specific units may draw more or less. (3) DEFAULT USAGE: If you use a home-type default rather than your actual kWh, the figure is a typical estimate, not your exact usage. WHAT IT DOES NOT INCLUDE: (1) The exact breakdown of network and market-support fees within the tariff (it uses the all-in regulated rate). (2) Any retailer-specific fees, gifts, or promotional credits beyond the headline rate you enter. (3) Gas and water charges (this is an electricity calculator; see our Water Bill Calculator separately). (4) Any billing adjustments, arrears, or one-off charges on your account. HOW TO GET THE MOST ACCURATE RESULT: Enter your actual monthly kWh from your latest SP bill, your correct U-Save amount, and use appliance mode if you want a personalised breakdown. THE PRACTICAL POINT: For budgeting, comparing the regulated tariff against an OEM plan, and understanding what drives your bill, this calculator is highly reliable. For the exact amount owed, always refer to your official SP Group bill.

NO — ALL HOUSEHOLDS ON THE REGULATED TARIFF PAY THE SAME PER-KWH RATE REGARDLESS OF HOME TYPE, BUT LANDED HOMES AND LARGER PROPERTIES PAY MUCH BIGGER BILLS BECAUSE THEY CONSUME FAR MORE ELECTRICITY. THE SAME RATE FOR ALL HOUSEHOLDS: The SP Group regulated household tariff (34.78 cents/kWh with GST for Q3 2026) applies uniformly to HDB flats, condominiums, and landed homes alike. There is no higher per-unit rate for private property — the tariff is set by consumption type (household vs non-household), not by property value. THE CONSUMPTION DIFFERENCE: What differs enormously is how much electricity each home uses. A landed home typically consumes several times more than a 4-room HDB flat due to: (1) LARGER FLOOR AREA requiring more cooling and lighting. (2) MORE AIR-CONDITIONING UNITS, often running across many rooms. (3) HIGHER COOLING LOAD from more windows and exposed surfaces. (4) FEATURES like swimming pools (pumps run continuously), water features, gardens, and outdoor lighting. (5) MORE APPLIANCES AND OCCUPANTS. As a result, when tariffs rise, landed homes see much larger absolute increases — a 17% jump on a 1,000+ kWh bill hurts far more in dollar terms than on a 420 kWh flat. THE U-SAVE DIFFERENCE: Here is a key distinction — U-Save rebates apply only to eligible HDB households. Private property owners (condos and landed homes) generally do NOT receive U-Save, so they bear the full tariff without that cushion. This calculator lets you set U-Save to zero for private property. THE NON-HOUSEHOLD NOTE: Businesses and commercial premises pay a separate non-household tariff, which differs from the household rate — this calculator is for households. THE PRACTICAL POINT: Whatever your home type, enter your actual usage — the calculator applies the same household tariff but scales the bill to your consumption. For landed homes, set U-Save to zero (not eligible) and expect a substantially larger bill, which also means switching to a cheaper OEM plan or installing solar can save more in absolute terms.

FOR THE AVERAGE FOUR-ROOM HDB FLAT, THE Q3 2026 TARIFF INCREASE ADDS APPROXIMATELY S$17.14 MORE PER MONTH BEFORE GST — OVER S$50 ACROSS THE QUARTER AND MORE THAN S$200 A YEAR. THE REFERENCE CASE: The Energy Market Authority uses the four-room HDB flat as its standard reference household. For Q3 2026, EMA estimated the monthly bill for such a household rises by about S$17.14 (before GST) compared with the previous quarter, driven by the roughly 17% tariff increase. THE FULL-YEAR PICTURE: While S$17 a month may sound modest, it compounds: over the three-month quarter it is over S$50, and if the elevated tariff persists, it exceeds S$200 over a year. And EMA has signalled tariffs could rise further in subsequent quarters as the full effect of higher gas prices flows through. THE TYPICAL 4-ROOM BILL: A four-room flat using around 420 kWh a month pays roughly S$146 at the Q3 2026 rate of 34.78 cents/kWh (with GST) before any rebate. After a typical U-Save rebate of around S$75 a quarter (about S$25 a month), the net is closer to S$121 a month. THE U-SAVE CUSHION: The July 2026 U-Save rebate (up to S$190 for eligible households, depending on flat type) is timed to help cushion this increase. For a four-room household, the rebate offsets a meaningful portion of the rise — but does not eliminate it, since the underlying tariff increase is ongoing. THE GAS DOUBLE-HIT: Households that also use town gas for cooking and water heating face a second increase — town gas tariffs rose about 7.1% (from 21.92 to 23.48 cents/kWh) in the same period — so they feel the rise on two fronts. THE PRACTICAL POINT: This calculator lets a four-room household enter its actual usage and U-Save to see the precise gross and net monthly impact of the current tariff. It also lets you test whether switching to an OEM plan below 34.78 cents/kWh would offset the increase — often the most effective response to a sustained tariff rise.

THE REGULATED TARIFF CHANGES EVERY QUARTER WITH FUEL PRICES, WHILE A FIXED-PRICE OEM PLAN LOCKS YOUR RATE FOR THE CONTRACT TERM — SO THE CHOICE IS BETWEEN FLOATING WITH THE MARKET AND BUYING CERTAINTY. THE REGULATED TARIFF (the default): This is SP Group standard rate, set quarterly by EMA and adjusted for fuel costs. In Q3 2026 it is 34.78 cents/kWh with GST. Its advantages: no contract, no commitment, and if fuel prices fall, your rate falls too. Its disadvantage: it is unpredictable and, in a rising-price environment like 2026, it has been climbing sharply. THE FIXED-PRICE OEM PLAN: An Open Electricity Market retailer offers a locked rate per kWh for a fixed term (commonly 12 to 36 months). Its advantages: certainty (your rate will not rise even if the regulated tariff jumps), and if you lock in below the current tariff, immediate savings. Its disadvantages: you are committed for the term, early termination usually incurs a charge, and if the regulated tariff later falls below your fixed rate, you could end up paying more than you would have. THE DECISION LOGIC: (1) WHEN TARIFFS ARE HIGH AND RISING (as in 2026): A fixed plan below the current tariff both saves money now and hedges against further rises — often attractive. (2) WHEN TARIFFS ARE LOW OR FALLING: The regulated tariff or a discount-off-tariff plan may be better, since you benefit from decreases. (3) IF YOU VALUE CERTAINTY: A fixed plan makes budgeting predictable regardless of market swings. THE OTHER PLAN TYPES: (1) DISCOUNT-OFF-TARIFF: A percentage off the prevailing regulated tariff — you save versus the tariff but still move with it. (2) PEAK/OFF-PEAK: Cheaper at night, dearer in the day — good if you can shift usage. THE UNCHANGED ELEMENTS: Whichever you choose, the same grid delivers your power, reliability is identical, and SP Group still handles your U-Save rebate. THE PRACTICAL POINT: Use this calculator OEM comparison to enter a fixed plan quoted rate and see your exact monthly saving versus the regulated tariff. In 2026 high-tariff conditions, a fixed rate comfortably below 34.78 cents/kWh often makes sense — but always weigh the contract length and early-termination terms against the saving.

YES — IF YOU ARE REQUIRED BY YOUR EMPLOYER TO WORK FROM HOME AND YOUR ELECTRICITY COSTS ROSE AS A RESULT, YOU CAN CLAIM THE INCREASE AS AN EMPLOYMENT EXPENSE DEDUCTION AGAINST YOUR INCOME UNDER IRAS RULES — A USEFUL OFFSET TO HIGHER 2026 TARIFFS. THE CONNECTION TO YOUR BILL: Higher electricity tariffs in 2026 mean working from home costs you more in cooling and running your devices during the day. IRAS allows you to claim the work-related INCREASE in your electricity bill (not the whole bill) as a deduction, using a before-versus-after comparison method. HOW THE CLAIM WORKS (in brief): (1) You claim the INCREASE in your monthly electricity bill during work-from-home versus before, multiplied by the number of WFH months. (2) If more than one household member works from home, you apportion (divide) the shared increase among them. (3) You must net off any government rebate (such as U-Save) that reduced your bill. (4) The deduction reduces your chargeable income, saving tax at your marginal rate. THE REQUIREMENTS: Your employer must require you to work from home, the expense must not be reimbursed, and you must keep your before-and-after bills for 5 years (estimates are not accepted). THE INTERACTION WITH THIS CALCULATOR: This electricity calculator helps you establish your current monthly bill, which is one input into the WFH deduction (your during-WFH figure). To compute the actual deductible amount and tax saved, use our dedicated WFH Tax Deductions Checker, which applies the full IRAS methodology — the difference method, household apportionment, rebate netting, and conversion to tax saved. THE BROADBAND NOTE: Separately, broadband monthly fees are generally only claimable if set up specifically for work after WFH began; pre-existing home broadband is not claimable. THE PRACTICAL POINT: If you work from home, the higher 2026 electricity tariff has a small silver lining — a larger work-related increase means a potentially larger deduction. Use this calculator to understand your electricity bill, then use the WFH Tax Deductions Checker to turn the work-related portion into a tax saving. For most employees the saving is modest but real, and worth claiming if you keep the records.

THIS IS THE ONLY SINGAPORE ELECTRICITY CALCULATOR THAT COMBINES THE CURRENT Q3 2026 GST-INCLUSIVE TARIFF, AN APPLIANCE-LEVEL BREAKDOWN, U-SAVE REBATE NETTING, AND AN OPEN ELECTRICITY MARKET SAVINGS COMPARISON IN ONE TOOL — WHILE OTHER RESOURCES OFFER ONLY OFFICIAL RATE PAGES, STALE-RATE BASIC CALCULATORS, OR RETAILER SALES FUNNELS. HERE ARE THE SIX GAPS IT FILLS: (1) THE CURRENT, CORRECT RATE: Many existing Singapore calculators still use outdated rates like 24 cents/kWh. This tool uses the actual Q3 2026 regulated tariff of 34.78 cents/kWh with 9% GST — so your estimate reflects what you truly pay now, after the sharp 17% increase. (2) APPLIANCE-LEVEL BREAKDOWN: It shows what each appliance group costs and highlights that air-conditioning typically drives 40 to 60% of your bill — letting you target the biggest lever, which official rate pages and basic calculators never do. (3) U-SAVE REBATE NETTING: It subtracts your quarterly U-Save rebate (by HDB flat type) to show your true NET bill — a step most calculators omit entirely, overstating your real cost. (4) OPEN ELECTRICITY MARKET COMPARISON: It computes your exact saving from switching to a fixed retailer plan at any quoted rate — neutral and unbiased, unlike retailer sites that only push their own plans, and unlike solar blogs that steer you to their product. (5) BOTH SIMPLE AND APPLIANCE MODES: Enter your total kWh for a quick estimate, or enter AC hours and appliances individually for a personalised diagnosis — flexibility no competitor offers. (6) A BRANDED PDF REPORT: It generates a downloadable PDF with your full bill breakdown, appliance costs, and OEM comparison — useful for budgeting or comparing plans, which no other free Singapore electricity calculator provides. Combined with a visual cost-by-appliance chart, current EMA/SP Group data, three realistic Singapore worked examples, and a WhatsApp share, this makes it the most complete, accurate, and genuinely useful Singapore electricity bill calculator available — answering the real questions: what is my true bill now, what drives it, how much does my rebate help, and would switching save me money?