Employer budgeting and MOM levy compliance involves more than monthly salary. Singapore employers also pay levy, insurance, and day-to-day upkeep. This article outlines cost categories so you can plan before you hire — figures change, so verify current rates on MOM.
Monthly salary
Salary is agreed between employer, agency, and helper within market practice and documented in the employment contract. Biodata may show indicative ranges; confirm final amounts before signing.
Foreign worker levy
Employers pay monthly levy to MOM while the Work Permit is valid. Some households qualify for concessionary levy if MOM criteria are met. Set up GIRO or approved payment early to avoid renewal issues.
Agency fees and helper loans
Agency service charges and any placement fee arrangements should be explained in writing. Understand what is included: documentation, training, and post-placement support.
Insurance, bond, and medical costs
Security bond, medical insurance, personal accident cover, six-monthly medical examinations (6ME), and food/accommodation are ongoing employer responsibilities. Premiums and bond arrangements vary — check current MOM requirements rather than relying on outdated figures.
Budget planning worksheet
List monthly salary, levy, insurance, food, transport, and occasional medical costs in one place before you commit. Families who budget for the full employment period — not just the first month — avoid surprises at renewal time.
Payment methods and GIRO
Levy is typically paid via GIRO or other MOM-approved channels. Set up payment before your helper starts work where possible so missed deductions do not affect Work Permit status later.
Related employer guides: salary and total cost · Work Permit checklist.
On SmartMaid.com.sg, you can search maids, hiring FAQ, employer guides, and read more in our employer guides.
This article is general guidance only. Rules, fees, and procedures are set by the Ministry of Manpower and may change — confirm the latest requirements on mom.gov.sg and with your licensed maid agency before you apply.
Last reviewed: August 2026. Employment rules change — always confirm current requirements on mom.gov.sg.
