Grant-stacking calculator.

What does a pre-approved AI solution actually cost after PSG, SFEC and the EIS deduction? Move the numbers; every assumption — including the caps — is printed on its row. The same worked example lives in the stacking guide; the two always agree.

Solution cost (first year, SGD)

Solution is PSG pre-approved (50% support, S$30k annual cap)SFEC credit you still have (S$0–10,000)Your effective corporate tax rate (%)Best direct price for an equivalent (optional — the honesty check)

Sticker price

you front this in full — PSG and SFEC reimburse after approved claims

S$8,000

PSG pays

up to 50%, capped at S$30,000/year, pre-approved solutions only, apply before paying

− S$4,000

SFEC credit offsets

up to 90% of out-of-pocket, capped by your remaining credit AND the S$7,000 sub-cap for enterprise-transformation schemes; claims close 30 Nov 2026

− S$3,600

Cash cost (this year)

sticker − PSG − SFEC; what actually leaves your account after claims

S$400

EIS tax relief — later, not cash now

400% deduction on qualifying AI spend (base = your out-of-pocket, kept within the S$50k/YA deduction cap) × your tax rate; applies YA2027–2028 and needs your accountant's confirmation of the deduction base

≈ − S$272

Estimated net cost after eventual tax relief

S$128

Read this before quoting the number in a meeting: this is an illustration, not tax or grant advice. It assumes you're PSG-eligible (SME criteria, ≥30% local equity), the solution is on the pre-approved list, you applied before paying (retrospective applications are rejected), your SFEC balance is real, and EIS applies in YA2027–28 on a deduction base your accountant agrees with. Terms as published 11 July 2026 on enterprisesg.gov.sg and singaporebudget.gov.sg — check them; they change. And sometimes the honest answer is that the direct price beats the post-grant price — that's what the verdict box is for.