How Much SkillsFuture Credit Do I Have?

You’ve probably wondered how much SkillsFuture Credit your friend has while watching him pick up new skills again. Last month, he was in a Generative AI course, and now, he’s learning Digital Marketing. Each new skill makes his resume more attractive to employers. You start to wonder how he affords all these new qualifications.

Then you catch an ad that says, “Use your SkillsFuture Credit to upskill today.” It makes you pause. How much SkillsFuture Credit do you actually have sitting in your account? If you’ve never checked, you’re not the only one. 70% of Singaporeans have not used their S$500 SkillsFuture Credit top-up, which expires at the end of 2025. Some of these funds can open doors to new skills if you use them in time. This guide explains how much SkillsFuture Credit you can potentially have, how to check your balance, and how to make the most of what you already have.

Quick Takeaways

• All Singapore Citizens aged 25 and above receive SkillsFuture Credit.
  Depending on your age, you may have up to $5,500 across four credits:
  • Opening Credit ($500)
  • 2020 Top-up ($500, expires 31 Dec 2025)
  • Additional Mid-Career Support Credit ($500)*
  • Mid-Career Credit ($4,000)
• Check your balance on MySkillsFuture with Singpass.
• Combine it with SSG, UTAP, or PSEA for extra savings.
• *In May 2024, the Additional Mid-Career Support Credit was merged into the Mid-Career Credit

What Is SkillsFuture Credit

Started in 2016, SkillsFuture Credit is a government initiative that encourages Singaporeans to keep learning new skills at any stage of life. You can use it to pay for approved courses, certificates, and training programmes that help improve employability and career growth.

Every Singapore Citizen automatically receives an opening credit of $500 upon turning 25. Use your credits anytime, with new top-ups added at various stages to support mid-career and older learners.

Related Article: 5 Ways to Maximise Singapore’s Course Subsidies For Your Career Growth

What Counts as SkillsFuture Credit Today

Your SkillsFuture Credit is made up of several parts, depending on your age and the top-ups you receive. Here is the full breakdown of what you might see in your account today.

SkillsFuture Credit Breakdown

Credit Type	Amount	Who is Eligible?	When is the Expiry?	Note
Opening Credit	$500	Singapore Citizens aged 25 and above	No expiry
2020 Top-up	$500	Singapore Citizens aged 25 years and above (as of 31 Dec 2020)	Expires on 31 Dec 2025
Additional Mid-career Support Credit	$500	Singapore Citizens aged 40 to 60 as of 31 December 2020	No expiry	In May 2024, this credit was merged into the new Mid-Career Credit, and its expiry was removed.
Mid-career credit	$4000	Singapore Citizen aged 40 and above	No expiry	This new credit has no expiry and supports career reskilling or professional development. Any remaining balance from the 2020 Additional Mid-career Support Credit was automatically merged into this new pool.

How Much SkillsFuture Credit Do You Have Right Now

Your SkillsFuture Credit balance in 2025 depends on your age when each credit was introduced. The 2020 top-ups were based on your age as of 31 December 2020, while the $4,000 Mid-Career Credit was introduced in 2024 for those aged 40 and above that year.

Here’s a breakdown of how much SkillsFuture Credit you may have in 2025, based on your age group and eligibility across the years.

Below 25

You do not have any SkillsFuture Credit yet. Once you turn 25, you will automatically receive the Opening Credit of $500. This will be your starting balance when you become eligible.

Age 25 to 29

If you were below 25 in 2020 and have since turned 25, you received:

• Opening Credit ($500)

If you have yet to use any of the SkillsFuture credit, your total is $500. You currently have no expiring credits.

Age 30 to 40 (aged 25–39 in 2020)

If you were aged 25 to 39 as of 31 December 2020, you received:

• Opening Credit ($500)
• One-off Top-up (2020) ($500, expires 31 December 2025)

If you have yet to use any of  the SkillsFuture credit, your total is $1,000. Of this, $500 will remain valid beyond 2025, while your 2020 top-up of $500 will expire on 31 December 2025.

Age 41 to 44 (aged 36–39 in 2020)

If you were below 40 in 2020 but turned 40 by 2024, you received:

• Opening Credit ($500)
• One-off Top-up (2020) ($500, expires 31 December 2025)
• Mid-Career Credit (2024) ($4,000)

If you have yet to use any of the SkillsFuture credit, your total is $5,000. Of this, $4,500 will remain valid beyond 2025, while your 2020 top-up of $500 will expire on 31 December 2025.

Age 45 to 65 (aged 40–60 in 2020)

If you were aged 40 to 60 as of 31 December 2020, you received:

• Opening Credit ($500)
• One-off Top-up (2020) ($500, expires 31 December 2025)
• Additional Mid-Career Support Credit (2020) ($500)
• Mid-Career Credit (2024) ($4,000)

If you have yet to use any of the SkillsFuture credit, your total is $5,500. Of this, $5,000 will remain valid beyond 2025, while your 2020 top-up of $500 will expire on 31 December 2025.

SkillsFuture Credit Breakdown by Age Group (2025)

Credit Type	Below 25	25–29	30–40	41–44	45–65	Above 65
Opening Credit ($500)	Eligible upon turning 25	✔	✔	✔	✔	✔
One-off Top-up (2020) ($500)			✔	✔	✔	✔
Additional Mid-Career Support (2020) ($500)					✔
Mid-Career Credit (2024) ($4,000)				✔	✔	✔
Total (if unused)	$0	$500	$1,000	$5,000	$5,500	$5,000
Total Remaining After 31 Dec 2025 (if unused)	$0	$500	$500	$4,500	$5,000	$4,500

Related Article: How to Use Your SkillsFuture Credits for Career Development

How to Check Your SkillsFuture Credit Balance (Step-by-Step)

You can view your available credits, expiry details, and claim history in a few minutes using MySkillsFuture with your Singpass login.

Step 1: Go to MySkillsFuture.gov.sg. Click Login at the top-right corner.

Step 2: Log in with Singpass to access your personal dashboard.

Step 3: Click SkillsFuture Credit at the top right corner, right below your name.

Step 4: Your total balance will be shown on the top-right. Select to view the breakdown of each credit type. You can also see expiry information for the 2020 top-up if applicable.

Tip: If you want to review your past claims, open Transaction History under your SkillsFuture Credit dashboard. You’ll see course titles, claim dates, and the amounts deducted. This helps you track how your credits have been used over time.

Now that you know how much SkillsFuture Credit you have, the next step is understanding what you can use it for and what is not covered.

What You Can and Cannot Use SkillsFuture Credit For

Your SkillsFuture Credit can be used for approved courses listed on MySkillsFuture. All Vertical Institute courses are SkillsFuture Credit eligible, which means you can use your available balance to offset part or all of your course fees.

You can use your SkillsFuture Credit for career-relevant, government-approved courses that build employable skills. These include Vertical Institute courses such as :

1. Generative AI

Learners comparing AI SkillsFuture Courses Singapore can use eligible SkillsFuture Credit for this course.

Learn prompt engineering, automation, and how to apply AI tools to real-world tasks. This course helps you stay ahead as AI becomes essential across industries, from marketing to finance.

2. Data Analytics

Build practical skills in data cleaning, visualisation, and storytelling using SQL, Excel and Tableau. With data-driven decision-making now standard in most roles, these skills give you a strong career edge

3. Digital Marketing

Learn performance marketing, SEO, and social media strategy to help brands grow online. These skills are key to reaching audiences effectively and driving measurable business results.

4. Data Science & AI

Gain hands-on experience with machine learning, data modelling, and predictive analytics. As businesses increasingly depend on automation and insight, this course prepares you for high-demand data roles.

5. Cybersecurity

Understand how to protect networks, manage risks, and secure digital systems against modern threats. As cyberattacks grow more frequent, this knowledge is critical for any tech or business professional.

6. UI/UX Design

Master usability principles, wireframing, and interface design to create engaging digital experiences. As more companies go digital, demand for strong UX talent continues to rise.

7. Advanced Data Analytics

Deepen your analytics expertise with SQL, Power BI, and business intelligence tools. Ideal for professionals ready to turn complex data into strategic insights that influence decisions.

8. Blockchain

Explore blockchain fundamentals, smart contracts, and the foundations of Web3 technology. With industries exploring decentralised systems, understanding blockchain opens up new career opportunities.

All Vertical Institute courses are part of Singapore’s national upskilling framework and are recognised by employers. You can apply your SkillsFuture Credit to these courses during the claim process.

Courses like these are designed for working professionals, university graduates, or mid-career individuals looking to gain tech-focused skills that are in demand.

What You Cannot Use It For

While SkillsFuture Credit supports most upskilling courses, there are limits. You cannot use your credit for:

• Courses not listed on MySkillsFuture.gov.sg
• Overseas courses or conferences
• Private degree or diploma programmes that are not registered under approved training providers
• Workshops or certifications not aligned with Singapore’s Skills Framework
• Full-time education in local universities or polytechnics

Each eligible course clearly displays the SkillsFuture Credit logo and the option to claim funding.

Stretch Your SkillsFuture Credit Further with Other Funding Schemes – Pay Little to Zero Cash

Your SkillsFuture Credit is only one part of Singapore’s funding ecosystem for learners looking to upskill. When combined with other available schemes, you can offset a large portion of your course fees, sometimes even the full amount.Here’s how each type of support works when applying for a Vertical Institute course.

SSG (SkillsFuture Singapore) Subsidy

All Singapore Citizens (SCs) and Permanent Residents (PRs) receive an automatic subsidy from SkillsFuture Singapore (SSG) when applying for approved courses. You do not need to apply for SSG separately.

The SSG subsidy is applied during your course application, and your invoice will already show the discounted amount.

• SCs and PRs under 40: 50% off the full course fee (before GST)
  
• SCs aged 40 and above: 70% off the full course fee (before GST)

NTUC UTAP (Union Training Assistance Programme)

NTUC members can claim up to 50% of their remaining unfunded course fees through UTAP, capped at $250 per year if under 40, or $500 per year if aged 40 and above. UTAP applies after other subsidies. Claims can be made through the NTUC U Portal within six months of completing the course.

Post-Secondary Education Account (PSEA)

If you are under 31, you can use your PSEA funds to pay for approved courses. To check your balance, call MOE’s 24-hour automated hotline at 6260 0777 and follow the instructions. To use your PSEA, complete the PSEA Ad Hoc Withdrawal Form on FormSG before your course begins.

Stacking Your Funding

When combined strategically, these schemes can significantly lower your out-of-pocket expenses.

1. The SSG subsidy is automatically applied during application.
2. You can then use your SkillsFuture Credit to cover the remaining balance.
3. If eligible, apply for UTAP or use PSEA funds for any outstanding amount.

This layered approach ensures that learners of different ages and career stages can access career-relevant courses affordably.Related Article: How To Claim NTUC UTAP Funding? Updated Guide 2025

FAQs About SkillsFuture Credit

Ready to start learning?

Explore courses at Vertical Institute and use your SkillsFuture Credit to begin your upskilling journey today.

Take Charge of Your SkillsFuture Credit

Your SkillsFuture Credit isn’t just a balance sitting quietly in your account. It’s an opportunity to learn or upskill without financial stress. Whether you’re new to the workforce, planning a mid-career change, or preparing for the future, there’s never been a better time to use it.

Each course under Vertical Institute is designed for working professionals. Classes run on weekday evenings or weekends, letting you learn without affecting work. You can also choose the date and time that best fits your schedule. They offer career support, and are eligible for SkillsFuture Credit, SSG subsidies and UTAP. Some courses are also eligible for PSEA. 

Your unused credit could be the bridge to your next opportunity to learn. Use it before your 2020 top-up expires and turn your balance into a skillset that counts.