ECDA calculates household income by adding both parents' incomes or considering the sole parent's income in single-parent families (i.e. if separated, divorced, single, or widowed). ECDA will retrieve the family's household income data from relevant agencies, and if unable to, subsidy applicants may be required to furnish supporting documents. Please note that household expenses are not considered in the assessment of household income.

For salaried employees, the average gross monthly income is computed based on income derived from CPF contributions over the last 12 months. For those earning $6,000 or more, ECDA looks at the individual’s gross employment income from the IRAS in addition to CPF data. It includes base salary, bonuses, commissions, overtime pay, allowances, and employee CPF contributions.

For self-employed persons who have been self-employed for more than 1 calendar year, the gross monthly income is computed based on the annual trade income from the latest IRAS Notice of Assessment, divided by 12.