How accurate is the 13O / 13U eligibility checker?

The checker applies the current MAS published thresholds (post-2022 tightening): 13O requires S$20M AUM, 2 investment professionals, S$200k annual SG business spend, and ≥10% AUM (or S$10M, whichever lower) in local SG investments. 13U requires S$50M AUM, 3 professionals (one a non-family member), S$500k+ annual spend, and the same local-investment requirement. The checker is correct to MAS published criteria as of 2026-06-07 but should never substitute for qualified Singapore counsel before applying.

What if I am close to but below a threshold?

The checker will flag which thresholds you are below and how much of a gap remains. Most family offices time their application to clear thresholds with a 10-20% buffer to handle MAS reviewer scrutiny. If you are within 6-12 months of clearing, your Singapore counsel may recommend deferring formal application to land in a clearly-eligible position.

Does the checker handle 13O → 13U migration?

Indirectly. Run the checker once with your current state to confirm 13O eligibility. Run again with planned future AUM + headcount + spend to test 13U eligibility. The gap between the two is your migration roadmap.

Where does the local-investment requirement come from?

MAS introduced the explicit ≥10% AUM (or S$10M, whichever lower) local-investment requirement as part of the 2022 substance tightening. Local investments include SGX-listed equities, SG corporate bonds, Singapore Savings Bonds, MAS bills, SG-incorporated private-company equity, and Singapore real estate. Reviewed annually post-approval.

Singapore 13O / 13U Eligibility Checker

Enter your planned AUM, investment-professional headcount, annual Singapore business spend, and local-investment commitment. The checker tells you which Singapore family-office tax scheme you qualify for and flags any threshold gaps.

TL;DR — short answer: The MAS-published thresholds, post-2022 tightening: 13O needs S$20M AUM, 2 investment professionals, S$200k annual SG business spend, and ≥10% AUM (or S$10M, whichever lower) in local SG investments. 13U needs S$50M AUM, 3 professionals (one non-family), S$500k+ annual spend, and the same 10% local-investment requirement.

Important caveats.

This is a guidance tool — never a substitute for a qualified Singapore family-office advisor.
MAS applies discretionary review on top of published numerical thresholds. Marginal applications often need pre-application engagement.
Annual ongoing-compliance reviews can deregister a previously-approved scheme. The checker tests application-time eligibility only.
All criteria reflect MAS published guidance as of 2026-06-07. Confirm with MAS before relying.

Where to go next

13O vs 13U detail

Side-by-side comparison.

Setup cost & timeline

End-to-end S$150-500k + 6-12 months.

Top FO advisors

Drew & Napier, A&G, Big 4.

Last updated: 7 June 2026

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