Singapore hubs

Stephanie Toh

Event Planner

SingaporeEnglish (English)$ SGD

Stephanie is a busy freelance event planner navigating the gig economy in Singapore. This hub tracks the essential government portals, tax obligations, and professional support schemes she uses to keep her business running and her personal finances stable.

Keeping my business legal and tax-ready

Essential for managing my freelance income and staying compliant with IRAS and ACRA.

BizFile+ Registration

national · ACRA

Who qualifies
Any individual starting a sole proprietorship or partnership.
What you get
Legal business entity status to issue invoices and open business bank accounts.
What it actually costs you
$115 for registration plus $16.20 for business name approval.
Common gotcha
You must renew your business registration annually to avoid late fees.

Income Tax for Sole Proprietors

national · IRAS

Who qualifies
Self-employed individuals with net trade income.
What you get
Tax assessment and payment plans for business earnings.
What it actually costs you
Annual filing between March and April; requires proper expense records.
Common gotcha
Many forget to deduct allowable business expenses to lower their taxable income.

Goods and Services Tax (GST) Registration

national · IRAS

Who qualifies
Businesses with annual taxable turnover exceeding $1 million.
What you get
Authority to charge GST on event services.
What it actually costs you
Requires strict quarterly accounting and digital filing.
Common gotcha
Voluntary registration is possible if you have many corporate clients who expect GST invoices.

PayNow for Business

national · ABS

Who qualifies
Registered business entities.
What you get
Instant payments from clients using UEN or QR codes.
What it actually costs you
Linked to your business bank account; no transaction fees for most banks.
Common gotcha
Ensure your UEN is correctly linked to your business bank account, not your personal one.

SkillsFuture Enterprise Credit

national · Enterprise Singapore

Who qualifies
Businesses that have contributed to CPF and invested in workforce transformation.
What you get
Up to $10,000 credit to offset costs of business transformation initiatives.
What it actually costs you
Requires proof of qualifying spend on training or consultancy.
Common gotcha
The credit is automatically triggered; check your eligibility on the portal.

GoBusiness Licensing

national · MTI

Who qualifies
Businesses requiring specific licenses for events (e.g., music, public entertainment).
What you get
Centralized platform to apply for and manage multiple government licenses.
What it actually costs you
Varies by license type; processing time ranges from 7 to 30 days.
Common gotcha
Applying too late for event permits can lead to last-minute cancellations.

Managing my CPF and personal savings

As a freelancer, I need to manage my own retirement savings and Medisave contributions.

Voluntary Medisave Contributions

national · CPF Board

Who qualifies
Self-employed persons.
What you get
Tax relief on voluntary contributions to your Medisave account.
What it actually costs you
Variable; requires manual top-up via CPF portal.
Common gotcha
You must contribute to Medisave to be eligible for certain government health subsidies.

Supplementary Retirement Scheme

national · MOF

Who qualifies
Singaporeans and PRs aged 18+.
What you get
Tax-deferred savings for retirement.
What it actually costs you
Annual contribution cap applies; funds are locked until retirement age.
Common gotcha
Withdrawals before retirement age are subject to a 5% penalty and full tax.

Retirement Sum Topping-Up Scheme

national · CPF Board

Who qualifies
CPF members.
What you get
Tax relief for topping up your own or family members' CPF accounts.
What it actually costs you
Cash transfer; funds are non-reversible.
Common gotcha
The tax relief is capped at $8,000 per year for self-toppings.

Singpass

national · GovTech

Who qualifies
Citizens and PRs.
What you get
Secure access to all government digital services.
What it actually costs you
Free; requires smartphone and biometric setup.
Common gotcha
Keep your Singpass password secure; never share your OTP.

CPF Nomination Scheme

national · CPF Board

Who qualifies
All CPF members.
What you get
Ensures your CPF savings go to your intended beneficiaries.
What it actually costs you
Free; requires two witnesses.
Common gotcha
If you don't nominate, your CPF savings will be distributed according to intestacy laws.

MyInfo

national · GovTech

Who qualifies
All Singpass users.
What you get
Auto-fills forms for government and private sector applications.
What it actually costs you
Free; requires consent for each data share.
Common gotcha
Check that your personal details are updated in MyInfo before applying for loans.

Upskilling for my events career

I need to stay competitive in the events industry by learning new tech and management skills.

SkillsFuture Credit

national · SSG

Who qualifies
Singaporeans aged 25+.
What you get
$500 initial credit + $500 top-up for approved courses.
What it actually costs you
Must select courses from the SkillsFuture directory.
Common gotcha
Credits expire if not used, though recent top-ups have no expiry.

SkillsFuture Mid-Career Enhanced Subsidy

national · SSG

Who qualifies
Singaporeans aged 40+.
What you get
Up to 90% subsidy for course fees.
What it actually costs you
Must enroll in eligible CET courses.
Common gotcha
Check if your chosen course is eligible for this specific subsidy before paying.

Training Allowance Grant

national · SSG

Who qualifies
Self-sponsored individuals attending specific full-time courses.
What you get
Allowance to offset income loss during training.
What it actually costs you
Requires full-time commitment to the course.
Common gotcha
Not all courses offer this; check the course listing carefully.

Workfare Skills Upgrading Award

national · Workforce Singapore

Who qualifies
Lower-income workers undergoing training.
What you get
Cash award upon completion of relevant training.
What it actually costs you
Must meet income eligibility criteria.
Common gotcha
Ensure your training provider submits the completion data to SSG.

SkillsFuture Series

national · SSG

Who qualifies
All Singaporeans.
What you get
Short, modular courses in high-growth sectors like digital marketing.
What it actually costs you
Heavily subsidized fees; pay the remaining balance.
Common gotcha
Courses fill up quickly; register early.

NLB Learning Resources

national · NLB

Who qualifies
All residents.
What you get
Free access to LinkedIn Learning and professional e-books.
What it actually costs you
Free with your library account.
Common gotcha
You need to log in via the NLB app to access premium content.

Staying healthy without breaking the bank

As a freelancer, I don't have corporate health insurance, so I rely on national schemes.

MediShield Life

national · CPF Board

Who qualifies
All Singaporeans and PRs.
What you get
Basic health insurance for large hospital bills.
What it actually costs you
Premiums paid via Medisave account.
Common gotcha
It is a basic plan; you might want an Integrated Shield Plan for better coverage.

CHAS Blue/Orange/Green

national · MOH

Who qualifies
Singaporeans based on household income.
What you get
Subsidies for visits to GP and dental clinics.
What it actually costs you
Application required; card issued by mail.
Common gotcha
Always show your CHAS card before payment at the clinic.

Screen for Life

national · HPB

Who qualifies
Singaporeans aged 40+.
What you get
Subsidized health screenings for chronic diseases.
What it actually costs you
Low flat fee for screening at participating GPs.
Common gotcha
You must check your eligibility online before booking.

CareShield Life

national · MOH

Who qualifies
Singaporeans born in 1980 or later.
What you get
Long-term care insurance for severe disability.
What it actually costs you
Premiums paid via Medisave.
Common gotcha
It is mandatory; you are automatically enrolled.

ActiveSG Credits

national · SportSG

Who qualifies
All Singaporeans and PRs.
What you get
Credits to book sports facilities and gym entries.
What it actually costs you
Free sign-up; credits expire if not used.
Common gotcha
Booking slots for popular pools/gyms open at specific times.

HealthHub

national · MOH

Who qualifies
All residents.
What you get
Centralized view of your medical records and appointments.
What it actually costs you
Free; login with Singpass.
Common gotcha
Not all private clinic records are synced automatically.

State-level schemes

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

Singapore新加坡

Singapore offers a highly structured ecosystem of business grants and professional development subsidies that help event planners scale operations and upskill in a competitive market.

Growing my event planning business

Enterprise Development Grant (EDG)

state · Enterprise Singapore

Who qualifies
Singapore-registered businesses with at least 30% local shareholding.
What you get
Up to 50% funding for qualifying project costs to upgrade business processes or venture overseas.
Common gotcha
The application process is rigorous; you need a solid business case, not just an idea.

Productivity Solutions Grant (PSG)

state · Enterprise Singapore

Who qualifies
SMEs registered and operating in Singapore.
What you get
Funding of up to 50% for pre-approved IT solutions and equipment for event management.
Common gotcha
You must purchase from pre-approved vendors listed on the portal.

SkillsFuture Enterprise Credit (SFEC)

state · SkillsFuture Singapore

Who qualifies
Employers who have contributed to the Skills Development Levy.
What you get
One-off credit of $10,000 to cover up to 90% of out-of-pocket expenses for business transformation.
Common gotcha
The credit has a specific expiry date; use it before it lapses.

Market Readiness Assistance (MRA) Grant

state · Enterprise Singapore

Who qualifies
SMEs looking to expand event services into overseas markets.
What you get
Up to 50% support for third-party costs like market entry or overseas marketing.
Common gotcha
Must be applied for before you sign any contracts with overseas partners.

Keeping my skills sharp

SkillsFuture Credit (Mid-Career)

state · SkillsFuture Singapore

Who qualifies
Singapore Citizens aged 40 and above.
What you get
$4,000 in credits to offset course fees for career transition or upskilling.
Common gotcha
Credits are non-transferable and expire if not used within the designated timeframe.

Training Allowance Grant (TAG)

state · SkillsFuture Singapore

Who qualifies
Employers sending staff for approved training.
What you get
Offsets the cost of employee salaries while they are away for training.
Common gotcha
Claims must be submitted within 30 days of course completion.

Workfare Skills Support (WSS)

state · Workforce Singapore

Who qualifies
Lower-wage employees or self-employed persons.
What you get
Cash training allowance and fee subsidies for attending certified courses.
Common gotcha
Requires meeting specific income criteria to qualify.