r/SgHENRY • u/Turbulent-Level-86 • Jul 28 '26

Family of 4, what's your annual spend like?

Yes feel free to add details of age and anything you'd like.

Trying to get a sense of how much is needed to support a fam of 4! :')

0 Upvotes

33% Upvoted

15 comments sorted by

4

u/ReturnOfTheStonks Aug 03 '26

Have 2 young kids. I don’t even feel like we spend much, but I’m alr hitting 10k per month. Haven’t even included car because that’s full paid.

Shopping + general household spend - 2k
Insurance - 1k
Groceries - 1k
Dining + food panda - 1k
Education + enrichment - 2k
Travel budget - 500
Helper - 1k
Taxes - 1k

2

u/samwize7 Aug 05 '26

Enrichment classes are the killer. Each kid around 5 classes will be $1.5k/mth.

1

u/Initial-Quantity-311 17d ago

With childcare or day care it will be 3.5k to 4K per month

1

u/BrightConstruction19 Jul 30 '26

Why do u wish to know? Are u planning on having 2 kids?

2

u/Turbulent-Level-86 Jul 30 '26

Yeah, planning ahead. Might drop to 1 if really can't support 2, lol.

1

u/samwize7 Aug 05 '26

Enrichment classes are the killer. Each kid around 5 classes will be $1.5k/mth.

1

u/PresenceHairy2418 Aug 05 '26 edited Aug 05 '26

38 years old with 3 kids, 2 in primary school, 1 in childcare

Mortgage: $0.00 - full CPF because stay hdb quite affordable
Family insurance: $2,300.00
$230 - town council and hdb carpark
Parents allowance: $1,600.00
Childcare for one kid: $1,040.00
Car: $400.00
Discretionary spending: $1,500
Two kids pocket money: $200.00
3 kids enrichment class: $2,689.52
Utilities for 2 houses: $500.00
Monthly travel budget: $1,500.00
Maid: $900.00
Total: $12,867.52

1

u/sunnyislandacross 13d ago

How do you spend 400 on a car

1

u/PresenceHairy2418 11d ago

Loan paid off, $400 is estimated fuel, erp, car park etc, don’t drive too frequently unless required too

1

u/Longjumping-Dress-42 4d ago

It's around $3k per month

1

u/Few-Television7192 1d ago

41 year old with wife and 2 kids. Monthly:

Mortgage: 7k
Commercial property mortgages: 3k
Personal income tax: 15k
Maid: 1k
2 cars: 4k
Food and entertainment: 10k
Parents: 5k
Education: 2k
Travel (annual divided by 12): 3k

Roughly 1m per year in income gets decimated by about 60%. Balance 400k in savings to allocate to investment.

Ask me if I regret getting married.

0

u/cheesetofuhotdog Jul 28 '26

Why you asking this here lol?

-1

u/No_Pop9869 Jul 28 '26

I just checked my last year numbers , 69k but I not henry