If you are wondering how to check SkillsFuture credit, you are already taking the first step in keeping your skills up to date. The World Economic Forum reports that 39% of core job skills will change by 2030. In Singapore, over 65% of employers now prioritise practical skills over academic qualifications. Yet, only about half of eligible Singaporeans have used their SkillsFuture credit.
That leaves a big question. Why are so many people not using something they already have? And more importantly, are you one of them without realising it?
Many people assume they have little or no credit left. Others have never checked at all. Some are surprised by how much is sitting there unused.
Before you decide what to learn next, you need to answer one simple question: Have you checked your SkillsFuture credit?
Quick Takeaways
- You can check your SkillsFuture credit balance online in under two minutes using Singpass login
- Visit myskillsfuture.gov.sg, access E-Services, and select “Check and Claim SkillsFuture Credit” to view your balance
- All Singapore Citizens aged 25 and above receive initial SkillsFuture credit automatically upon eligibility
- Your total SkillsFuture credit depends on eligibility, usage history, and available mid-career support schemes
- Once checked, you can use your credit on SkillsFuture-eligible courses to build job-relevant skills
Table of contents
- Quick Takeaways
- What Is SkillsFuture Credit, and Why It Matters
- How To Check SkillsFuture Credit (Step-by-Step Guide)
- How Much SkillsFuture Credit Do You Have
- What You Can Use SkillsFuture Credit For
- SkillsFuture Courses to Consider in 2026
- FAQs About SkillsFuture Credit
- Check Your SkillsFuture Credit and Take the Next Step
What Is SkillsFuture Credit, and Why It Matters
SkillsFuture credit is a government-provided fund that helps Singapore Citizens pay for approved courses. Once you turn 25, you receive your initial SkillsFuture credit of $500. You can use it to offset course fees across many industries.
According to SkillsFuture Singapore, about one-fifth of the workforce uses SkillsFuture each year to upgrade their skills. The question is simple. Are you part of that group, or leaving your credit untouched?
This goes beyond funding. It gives you a direct way to build skills that employers now expect.
Hiring expectations have shifted. Employers focus on what you can do, not just what you studied. Your SkillsFuture credit allows you to respond to that shift and lowers the barrier to getting started.
Checking your balance is the first step. Once you know what you have, you can decide what to do next. Let’s walk through exactly how to check your SkillsFuture credit on the MySkillsFuture portal.
How To Check SkillsFuture Credit (Step-by-Step Guide)
Checking your SkillsFuture credit is straightforward once you know where to go. You do not need any documents. You only need your Singpass login.
Step 1: Go to MySkillsFuture Portal and Access E-Services
Open your browser and go to myskillsfuture.gov.sg. From the homepage, locate “E-Services” in the top menu.
Click on it to access the section where you can check your SkillsFuture credit balance and manage claims.
Step 2: Select “Check and Claim SkillsFuture Credit”
Within E-Services, find and click on “Check and Claim SkillsFuture Credit”.
This is the section where your SkillsFuture credit balance is stored. If you are wondering where to check SkillsFuture credit, this is the page you will return to each time.
Step 3: Log In with Singpass
You will be redirected to log in via Singpass.
Complete the login process to access your personal account. If you have used other government services, this step will feel familiar.
Step 4: View Your SkillsFuture Credit Balance
Once logged in, your dashboard will load.
You will see your SkillsFuture credit balance clearly displayed. You can also review your transaction history, including past claims and remaining credit.
At this stage, the answer should be clear. So, how much SkillsFuture credit do you actually have?
How Much SkillsFuture Credit Do You Have
Your SkillsFuture credit balance depends on when you became eligible and whether you have used any of it.
Here’s a simple way to understand it:
- You will have at least $500 if you are aged 25 and above
- You may have $4,000 if you qualify for mid-career support
- Your actual balance depends on how much you have already used
The key point is this. Your balance is specific to your account.
And beyond your credit balance, there is now even more support available if you choose to train. Some mid-career learners can receive a monthly training allowance of up to $3,000 for full-time courses or $300 per month for part-time study.
That means your SkillsFuture credit is only one part of what you can tap on.
Before anything else, you need to review what you already have. Once you check your balance, the next step becomes more practical. What can you actually use your SkillsFuture credit for?
Subsidy Calculator: COURSE SUBSIDY CALCULATOR Discover how much you can save on Vertical Institute’s courses.
Related Article: How Much SkillsFuture Credit Do I Have?
What You Can Use SkillsFuture Credit For
Before deciding what to spend your SkillsFuture credit on, it helps to know what others are getting out of it.
Recent data shows that 73% of individuals who completed training reported improved work performance. On top of that, 67% experienced some form of career progression after upgrading their skills.
So the question is not whether SkillsFuture courses work. The better question is how you plan to use yours.
Courses That Build Job-Ready Skills
SkillsFuture courses focus on skills that employers actively look for today. These topics focus on more than academic theory.
You can use your credit to learn areas such as:
- Data analytics and data visualisation
- Artificial Intelligence and workflow automation
- Cybersecurity and risk management
- Digital marketing and SEO
- Sustainability and carbon reporting
These courses are designed with industry input. What you learn can be applied directly at work.
Subsidised Training with Stackable Funding Support
Most SkillsFuture-approved courses come with multiple funding layers that can be combined to reduce your cost.
Here is how the support typically stacks:
- SkillsFuture Singapore subsidy can cover up to 70% of course fees
- Your SkillsFuture credit can offset the remaining balance
- NTUC members can use UTAP to cover 50% of unfunded fees, capped at $500 per year
- PSEA funds can be used to pay for any remaining amount
This means you are not relying on one source. You are stacking support to reduce out-of-pocket cost.
Related Article: How to Claim NTUC UTAP Funding: Full Step-by-Step Guide 2026
Flexible Learning for Working Adults
You do not need to pause your career to upgrade your skills.
SkillsFuture courses come in different formats:
- Part-time courses that fit around your work schedule
- Short courses built around specific skill sets
- Online options for flexible learning
This makes it easier to start, even if you have a full-time job or other commitments.
SkillsFuture Courses to Consider in 2026
Once you know your balance and what it can be used for, the next step is choosing the right course.
Here are some practical options to consider:
| Course | Key Skills Covered | Who It’s For |
| Generative AI Course | Prompting, AI tools, use cases, content and workflow applications | Professionals, marketers, business users, career switchers |
| Data Analytics Course | Data analysis, dashboards, Excel, SQL, visualisation | Beginners, analysts, business professionals |
| Cybersecurity Course | Threat detection, risk management, security fundamentals | Career switchers, IT support, tech learners |
| Digital Marketing Course | Paid ads, social media, content, campaign strategy | Marketers, business owners, growth teams |
| UX/UI Design Course | User research, wireframing, interface design, usability | Designers, product teams, career switchers |
| Advanced Data Analytics Course | Predictive analytics, advanced tools, data modelling | Learners with basic analytics knowledge |
| AI & Data Science Course | Machine learning, data science concepts, AI applications | Tech learners, analysts, aspiring AI professionals |
| Blockchain & Cryptocurrency Course | Blockchain fundamentals, business applications, digital assets | Tech-curious professionals, innovation teams |
| Generative AI Workflow Automation Course | AI workflow design, automation tools, productivity systems | Operations teams, managers, working professionals |
| SEO Marketing Course | Keyword research, on-page SEO, search strategy, content optimisation | Marketers, founders, content teams |
| Carbon Reporting & Greenhouse Gas Measurement Course | Emissions measurement, carbon accounting, reporting basics | Sustainability, compliance, operations professionals |
Choosing a course comes down to what you want to achieve next. Some people want to move into a new field. Others want to strengthen their current role or stay competitive in a changing job market.
The key is to pick a course that gives you skills you can apply immediately.
FAQs About SkillsFuture Credit
Go to myskillsfuture.gov.sg, click “E-Services”, then select “Check and Claim SkillsFuture Credit”. Log in using Singpass and your balance will be shown on your dashboard.
If you are a Singapore Citizen aged 25 and above, you will have received your initial SkillsFuture credit. The only way to confirm your exact balance is to log in and check.
Yes. You do not need to apply for it. Once you turn 25, your initial SkillsFuture credit is credited to your account automatically.
No. Permanent Residents do not receive SkillsFuture credit. However, they can still access course fee subsidies for approved programmes.
You can check your SkillsFuture credit through the official MySkillsFuture portal at myskillsfuture.gov.sg using your Singpass login.
Yes. You can access the MySkillsFuture portal through your mobile browser. The process is the same as on desktop.
It usually takes less than two minutes. Once you log in, your balance appears immediately.
You can use your SkillsFuture credit to pay for approved courses listed on the MySkillsFuture portal. These include areas like data analytics, AI, cybersecurity, digital marketing, and sustainability.
The courses are designed to help you build practical and in-demand skills that can be applied directly at work.
The right course depends on your current role and career goals. If you want to move into high-demand fields, courses in data analytics, AI, and cybersecurity are strong options. If you are focused on business growth, digital marketing and SEO courses are relevant.
At Vertical Institute, courses are designed to teach practical, job-ready skills that can be applied immediately. This helps you see outcomes faster after completing the course.
No. SkillsFuture credit is meant for individual use and cannot be used for company-sponsored training.
However, companies can tap on SkillsFuture Enterprise Credit (SFEC) to support workforce training. Corporate training programmes at Vertical Institute are eligible for SFEC, which helps businesses reduce training costs for their teams.
Yes. If your SkillsFuture credit does not cover the full course fee, you can tap on PSEA to pay for the remaining balance. This works alongside other funding support such as SSG subsidies and UTAP, depending on your eligibility. To turn this into a job-ready skill, take a look at Vertical Institute’s PSEA Course.
Check Your SkillsFuture Credit and Take the Next Step
You now know exactly how to check your SkillsFuture credit. It takes a few minutes, and it gives you clarity on what you can use. Most people delay because they are unsure where to start. But you do not need to figure everything out today.
Start with one action. Log in and check your balance. Once you see what you have, your options become clearer. You can decide whether to build a new skill, switch direction, or improve in your current role.
You’ve already taken the first step by checking. The next move is choosing a SkillsFuture-eligible course that moves your career forward.
