Your base $500 SkillsFuture Credit no longer expires, which is exactly why most Singaporeans still have not touched it. We read every fee line on the official MySkillsFuture portal on 10 September 2026 and pulled eight courses where the sums actually work: seven of the eight land at $0 payable for a Singapore Citizen once the SSG subsidy and the $500 credit are applied, including the SFA-mandated Food Safety Course Level 1 at NTUC LearningHub ($150 full fee), the Singapore Red Cross CERT First Aider with CPR+AED ($130), BELLS Institute's smartphone photography course ($400, and the highest-reviewed course on this list at 11,537 ratings), and Bettr Barista's SCA Barista Skills Foundation ($448.60), which carries no government subsidy at all and is paid entirely out of credit. The one course your $500 will not swallow whole is Vertical Institute's WSQ GenAI Bootcamp: $1,650 full fee, $643.50 nett for citizens aged 40 and above. Two things to know before you book: the portal's estimated fee is calculated before GST, and the $0 assumes your credit is untouched.
Most people are sitting on $500 they have never spent, because nothing forces them to.
> Quick view: cheapest here is the Red Cross first aid course at $130; seven of the eight work out to $0 payable after subsidy plus credit. The catch: the portal's estimate is calculated before GST.
How we picked these eight
We searched the official MySkillsFuture course directory on 10 September 2026 and read the fee breakdown on each course's own listing rather than the training provider's marketing page. Every course here is claimable with SkillsFuture Credit, is currently open for registration (with the dates noted in each entry), and carries enough real attendance and rating history on the portal to show it is actually running, not just listed. Seven were chosen because the portal's own estimate lands at $0 payable for a Singapore Citizen. The eighth is there as the counter-example.
How the funding actually stacks
There are three layers and people routinely confuse them.
Layer 1, the course-fee subsidy. The Skills and Workforce Development Agency (SWDA, which absorbed SkillsFuture Singapore on 1 July 2026) pays up to 70% of the fee for citizens and PRs on WSQ and SSG-funded courses. Citizens aged 40 and above get the Mid-Career Enhanced Subsidy, worth up to 90% on eligible courses. This comes off the price before you touch any credit, and it is why a $150 course shows $75 of subsidy in the table above.
Layer 2, SkillsFuture Credit. Every Singapore Citizen aged 25 and above holds a $500 Opening Credit that does not expire. Citizens aged 40 and above also hold a $4,000 SkillsFuture Credit (Mid-Career), given from 1 May 2024 and likewise with no expiry date; younger Singaporeans receive theirs in the year they turn 40. Credit is applied at the point of enrolment through the portal. The $4,000 is the layer people most often misread: unlike the base $500, it is not a general-purpose wallet. It can only be spent on full qualifications and stackable modules from the Institutes of Higher Learning, MOE-subsidised qualifications from the arts institutions, SkillsFuture Career Transition Programmes, and courses aligned to Progressive Wage Model sector requirements. Short standalone courses and the SkillsFuture Series are excluded, which rules out seven of the eight courses in this article and the Vertical Institute bootcamp as well. For those, your spending money is the base $500 plus the subsidy.
Layer 3, UTAP. NTUC members can claim back 50% of what is left unfunded, capped at $250 a year, or $500 a year for members aged 40 and above. From 1 May 2026 the same annual cap also covers 50% of AI tool subscription costs, but not on its own terms: NTUC requires you to finish a UTAP-approved AI course with at least 75% attendance first, to start the subscription within a year of completing that course, and to have it start between 1 May 2026 and 30 April 2028. The cap is shared, so a year spent on course claims leaves less for the subscription.
Four things that trip people up
The portal's fee is calculated before GST. The "estimated payable fee" you see on a course listing is not always the number on your invoice. Vertical Institute is the clearest example in this article: $325 on the portal, $643.50 on the provider's own fee page for a citizen aged 40 and above, because the provider quotes the fee inclusive of 9% GST.
The $0 assumes your credit is untouched. Every $0 in the table above is the portal's estimate for someone with the full $500 still sitting there. If you spent $300 on a course in 2024, the same listing will quote you a different number once you log in.
The 2020 top-up is gone. The $500 one-off top-up issued in 2020 expired on 31 December 2025 and cannot be applied to any course starting on or after 1 January 2026. The base $500 Opening Credit is a separate wallet and has no expiry.
PRs get subsidy, not credit. SkillsFuture Credit is for Singapore Citizens. Permanent Residents still qualify for the course-fee subsidy, which is why a PR sees a reduced fee but never a $0 one.
What changed at our 13 October check
We re-read all eight listings on the MySkillsFuture portal on 13 October 2026. Every fee, subsidy split and credit amount was unchanged again, and Vertical Institute's own course page still publishes $643.50 and $973.50 nett and the $10.90 registration fee. What moved was the calendar:
- NTUC LearningHub Food Safety Level 1: 8 dates listed, one a day from 13 to 20 October, the next still taking sign-ups on 14 October at Haw Par Centre. Attendance up to 25,945.
- Singapore Red Cross: 50 runs listed and 32 open, but every class from 13 to 24 October was full or closed, so the next open date is 26 October. Attendance up to 9,861.
- BELLS Institute: 20 runs, all open, the next over 16 to 23 October at Tampines Central. Attendance up to 15,649.
- Bettr Barista: 22 dates listed and 19 open, the next on 19 October. Attendance up to 1,970.
- Info-Tech Academy: 8 dates listed; the 20 October class had closed, so the next is 25 October at Bendemeer Road. Attendance up to 938.
- Singapore Polytechnic: still one run, on 14 and 15 December, with registration closing on 23 November. Attendance unchanged at 850.
- HMI Institute: registration for the 19 to 21 October run closed on 9 October. The next is 18 to 20 November, closing 6 November. Attendance unchanged at 962.
- Vertical Institute: 50 runs listed, all open, the first starting 13 October. Attendance up to 2,101.
The free premium AI tool subscription announced at Budget 2026 has been live since 16 September 2026. The FAQ below has the rules.
One correction. An earlier version of this article told readers aged 40 and above that the $4,000 SkillsFuture Credit (Mid-Career) would cover the Vertical Institute bootcamp several times over. It will not. That credit is limited to full qualifications and stackable modules from the Institutes of Higher Learning, MOE-subsidised arts qualifications, SkillsFuture Career Transition Programmes and Progressive Wage Model courses. Short standalone courses, including every course in this article, are excluded. The benefit of being 40 or above on these courses is the higher Mid-Career Enhanced Subsidy, not the $4,000.
Related reads