Singapore hubs

Sharon Au

Comedian

SingaporeEnglish (English)$ SGD

As a comedian navigating the vibrant but expensive landscape of Singapore, I need to balance my creative freelance income with the practicalities of city life. This hub covers the essential national schemes, grants, and portals that help me stay afloat, insured, and tax-compliant while I chase the next big gig.

Keeping my freelance hustle legal

Managing income tax and mandatory contributions as a self-employed creative is essential to avoid penalties.

Income Tax for Self-Employed

national · Inland Revenue Authority of Singapore

Who qualifies
All self-employed individuals earning income from trade, business, or profession.
What you get
Legal compliance and access to tax relief schemes.
What it actually costs you
Annual filing via myTax Portal; requires accurate record-keeping of expenses.
Common gotcha
Forgetting to declare side-hustle income from hosting or brand deals.

MediSave Mandatory Contributions

national · CPF Board

Who qualifies
Self-employed persons with annual Net Trade Income exceeding $6,000.
What you get
Compulsory savings for future medical expenses.
What it actually costs you
Annual contribution based on net trade income; calculated by IRAS.
Common gotcha
Thinking MediSave is optional just because I don't have a corporate employer.

Voluntary CPF Top-up

national · CPF Board

Who qualifies
Any Singapore citizen or PR.
What you get
Tax relief on cash top-ups to your own or family's CPF accounts.
What it actually costs you
Cash; capped at the prevailing Annual Limit.
Common gotcha
Once money is in CPF, it is locked until retirement age.

ACRA BizFile+

national · Accounting and Corporate Regulatory Authority

Who qualifies
Anyone starting a sole proprietorship or partnership.
What you get
Legal entity status for professional invoicing.
What it actually costs you
$15 registration fee + $60 annual renewal.
Common gotcha
Failing to renew the business registration annually leads to late fees.

SkillsFuture Credit

national · SkillsFuture Singapore

Who qualifies
Singaporeans aged 25 and above.
What you get
$500 initial credit + $500 top-up for approved courses.
What it actually costs you
Time; requires Singpass login to claim.
Common gotcha
Credits expire if not used, though top-ups have been extended.

InvoiceNow

national · IMDA

Who qualifies
Registered businesses.
What you get
Faster payment processing and digital invoicing standard.
What it actually costs you
Setup time with a PEPPOL-ready service provider.
Common gotcha
Requires a compatible accounting software subscription.

Staying healthy without breaking the bank

Medical costs in Singapore are high; these schemes provide a safety net for when I'm between gigs.

MediShield Life

national · CPF Board

Who qualifies
All Singapore citizens and PRs.
What you get
Basic health insurance for large hospital bills.
What it actually costs you
Premiums payable via MediSave.
Common gotcha
It only covers basic ward stays; doesn't cover everything.

CHAS Card

national · Ministry of Health

Who qualifies
Singaporeans based on household income or annual value of home.
What you get
Subsidies for visits to GP and dental clinics.
What it actually costs you
Application via Singpass; no fee.
Common gotcha
Must visit a CHAS-accredited clinic to get the subsidy.

Healthy 365 / LumiHealth

national · Health Promotion Board

Who qualifies
All residents.
What you get
Vouchers and rewards for hitting step counts and healthy habits.
What it actually costs you
Time; requires using the app and a tracker.
Common gotcha
Points expire if you don't redeem them in time.

Screen for Life

national · Health Promotion Board

Who qualifies
Eligible Singaporeans/PRs for health screenings.
What you get
Heavily subsidised health screenings for chronic diseases.
What it actually costs you
$5 or less per visit at participating clinics.
Common gotcha
Only applies to specific age-appropriate screenings.

Polyclinic Outpatient Subsidies

national · Ministry of Health

Who qualifies
All Singapore citizens.
What you get
Subsidised consultation and medication at public polyclinics.
What it actually costs you
Standard consultation fee after subsidy.
Common gotcha
Long waiting times at the clinic.

CareShield Life

national · Ministry of Health

Who qualifies
Singaporeans born 1980 or later.
What you get
Long-term care insurance for severe disability.
What it actually costs you
Premiums payable via MediSave.
Common gotcha
It is a mandatory scheme; you cannot opt out.

Funding my next creative project

As an artist, I need to know where the government supports the creative industry.

NAC Arts Grant

national · National Arts Council

Who qualifies
Arts practitioners and organisations.
What you get
Funding for production, creation, and capability development.
What it actually costs you
Detailed proposal, budget, and project timeline.
Common gotcha
Strict reporting requirements after project completion.

National Library Board Resources

national · National Library Board

Who qualifies
All library members.
What you get
Free access to creative software, studios, and research databases.
What it actually costs you
Library membership (free for citizens).
Common gotcha
Studio slots book out very fast.

IMDA Content Development Grant

national · IMDA

Who qualifies
Media content creators.
What you get
Funding for digital content development.
What it actually costs you
Rigorous application and proof of distribution plan.
Common gotcha
Must meet local content requirements.

National Heritage Board Grants

national · National Heritage Board

Who qualifies
Projects related to Singapore heritage.
What you get
Funding for research or community heritage projects.
What it actually costs you
Application process and post-project audit.
Common gotcha
Must align with NHB's heritage objectives.

CultureAnywhere

national · National Arts Council

Who qualifies
General public and artists.
What you get
Platform to showcase digital arts content.
What it actually costs you
Submission of digital assets.
Common gotcha
Content must be curated to be featured.

Youth Corps Arts Engagement

national · MCCY

Who qualifies
Youths interested in community arts.
What you get
Opportunities to lead arts-based community projects.
What it actually costs you
Time and commitment.
Common gotcha
Requires volunteer hours.

Getting around and saving on daily costs

Singapore is expensive; I need to use every available concession and voucher.

Public Transport Concession

national · Land Transport Authority

Who qualifies
Specific groups (students, seniors, low-wage workers).
What you get
Discounted fares on buses and trains.
What it actually costs you
Application for concession card.
Common gotcha
Must renew annually if applicable.

CDC Vouchers

national · People's Association

Who qualifies
All Singaporean households.
What you get
Digital vouchers for heartland merchants and supermarkets.
What it actually costs you
None; claimed via Singpass.
Common gotcha
Vouchers have an expiry date.

U-Save Utility Rebates

national · Ministry of Finance

Who qualifies
HDB households.
What you get
Direct rebates on utility bills.
What it actually costs you
None; automatic if you live in an HDB.
Common gotcha
Only applies to HDB flats, not private property.

GST Voucher Scheme

national · Ministry of Finance

Who qualifies
Lower-to-middle income Singaporeans.
What you get
Cash payouts to offset GST expenses.
What it actually costs you
None; automatic based on tax filing.
Common gotcha
Must have updated bank account details with the government.

HDB Concessionary Loan

national · HDB

Who qualifies
Eligible HDB flat buyers.
What you get
Lower interest rate compared to bank loans.
What it actually costs you
Eligibility assessment and HFE letter.
Common gotcha
Strict eligibility criteria for income and property ownership.

SkillsFuture Enterprise Credit

national · Enterprise Singapore

Who qualifies
Self-employed with business registration.
What you get
Subsidies for business transformation and training.
What it actually costs you
Application via business portal.
Common gotcha
Only for specific business development activities.

State-level schemes

1states & territories — open one to see what it offers.

Singapore新加坡

Singapore offers a unique ecosystem for creative professionals through government-backed grants and venue subsidies that help comedians navigate the high cost of living.

Funding my comedy career

NAC Arts Creation Grant

国家艺术理事会创作补助金

state · National Arts Council

Who qualifies
Singapore citizens or permanent residents with a proven track record in the arts.
What you get
Funding support for the creation of new artistic work, including comedy scripts and shows.
What it actually costs you
Detailed project proposal, budget breakdown, and portfolio; high competition.
Common gotcha
The grant is highly competitive and requires a long lead time for application approval.

National Heritage Board Heritage Project Grant

state · National Heritage Board

Who qualifies
Individuals or groups producing content related to Singapore's heritage.
What you get
Financial support for projects that document or showcase local culture through comedy.
What it actually costs you
Submission of project scope and evidence of historical research.
Common gotcha
Must ensure the comedy content aligns with heritage preservation goals.

SG Culture Anywhere

state · National Arts Council

Who qualifies
Local artists looking to digitize performances.
What you get
Subsidies for digital production costs and streaming infrastructure.
What it actually costs you
Technical specifications of the digital show.
Common gotcha
Requires adherence to strict digital quality standards set by the NAC.

NLB Arts Space Rental Subsidy

state · National Library Board

Who qualifies
Registered local artists and performers.
What you get
Discounted rates for using public library auditoriums for rehearsals or small shows.
What it actually costs you
Booking fee and adherence to library noise policies.
Common gotcha
Limited availability and strict rules on show content (must be family-friendly).

Managing the business side of funny

IRAS Self-Employed Tax Relief

state · Inland Revenue Authority of Singapore

Who qualifies
Freelance comedians filing as sole proprietors.
What you get
Deductions for business-related expenses like equipment, software, and venue rentals.
What it actually costs you
Maintaining meticulous records of all receipts and invoices.
Common gotcha
Many freelancers forget to claim home-office deductions if they work from home.

SkillsFuture Credit

state · SkillsFuture Singapore

Who qualifies
Singaporeans aged 25 and above.
What you get
Initial $500 credit for approved courses, including marketing, video editing, or public speaking.
What it actually costs you
SingPass login; course must be on the approved list.
Common gotcha
Credits expire if not used; some courses are not fully covered.

e2i Freelance and Self-Employed Person Support

state · Employment and Employability Institute

Who qualifies
Freelancers needing training or career guidance.
What you get
Training grants and networking opportunities to boost professional viability.
What it actually costs you
Registration with e2i and attendance at workshops.
Common gotcha
Often overlooked by performers who view themselves as 'artists' rather than 'workers'.

Medisave Top-up for Self-Employed

state · CPF Board

Who qualifies
Self-employed individuals contributing to Medisave.
What you get
Tax incentives for voluntary contributions to your own healthcare savings.
What it actually costs you
Regular manual contributions via the CPF portal.
Common gotcha
Failure to contribute as a self-employed person can lead to penalties.