免费新加坡遗嘱模板下载

2026年5月4日

Author: Unwildered editorial team

签署前，请先用 Caira 审阅你的遗嘱草稿。
Caira 可在几秒内分析你的遗嘱——找出缺失条款、见证安排问题、CPF 指定缺口，以及剩余遗产含糊之处。
这些问题都可能使你的意愿失效。全天 24/7 可用，无需预约。
让 Caira 审阅我的遗嘱草稿 →

1. 为什么遗嘱在新加坡很重要

没有有效遗嘱，你的遗产将按 《无遗嘱继承法》（第146章） 分配。
它遵循僵化的法定公式。
该公式不会考虑你的个人意愿、受抚养人的具体需要，或家人的独特财务状况。
例如，按该法，如果你已婚且有孩子，你的配偶只得一半遗产——另一半由子女均分。
若其中一名子女未成年，其份额会由公共受托人保管，直到满 21 岁，并需支付行政费用。

更重要的是，未婚伴侣——无论关系持续多久——在无遗嘱规则下都得不到任何东西。
在新加坡这样一个多元文化、法律结构多样的城市，许多伴侣虽同居却未婚。
这正是遗嘱可以填补的关键缺口。

2. 法律框架——《遗嘱法》（第352章）

《遗嘱法》（第352章）适用于所有非穆斯林新加坡人。
穆斯林新加坡人的遗产受伊斯兰继承法（faraid）管辖，由回教法庭管理，规则差异很大。
按《遗嘱法》订立遗嘱时，形式要求很严格：

年龄：你必须年满 21 岁才能立遗嘱（英格兰为 18 岁）。例外：现役军人可在更年轻时立特惠遗嘱。
书面形式：遗嘱必须书面写成。打字遗嘱完全有效。
立遗嘱人签名：你必须在遗嘱末尾签名。若你身体上无法签字，其他人可在你在场且按你指示代签。
两名见证人，同时在场：两名见证人必须同时在场，并看见你签字（或确认你先前的签名）。然后，他们各自都要在你在场时签名。
见证人不得是受益人：若见证人（或其配偶）也是受益人，其在遗嘱下的赠与会被剥夺，但遗嘱本身仍然有效。

⚠️ 结婚会自动撤销你的遗嘱：根据《遗嘱法》第13条，婚姻会自动撤销你先前所立的任何遗嘱，除非该遗嘱是明确预见到那段婚姻而订立。
如果你最近结婚，或计划结婚，婚礼后必须另立新遗嘱。
离婚不会撤销遗嘱，但会撤销其中给前配偶的任何赠与或遗嘱执行人任命。

3. CPF——新加坡遗产规划中最易被误解的资产

这是新加坡居民最重要的一点：你的 CPF 储蓄不受遗嘱约束。CPF 资金（普通账户、特别账户、保健储蓄账户和退休账户余额）不属于你的遗产。
它们不能由遗嘱处分。
它们会按你直接向 CPF 局所作的单独 CPF 指定分配。

如果你没有 CPF 指定就去世，你的 CPF 储蓄会转交公共受托人办公室。
该办公室会按无遗嘱继承规则分配——不论你的遗嘱写什么。
整个过程较长，且会从你的 CPF 余额中扣除行政费用。

要建立或更新 CPF 指定，请通过 cpf.gov.sg 登录你的 CPF 账户——全程少于 15 分钟。
你还需要两名不是你指定受益人的见证人。

4. 遗嘱应包含什么

章节	应包含内容
撤销条款	明确撤销所有先前的遗嘱和补充遗嘱
执行人	指定一名主执行人和至少一名替补；复杂遗产可考虑指定专业执行人
具体遗赠	列明受赠人和具体资产（房产、珠宝、车辆、现金）
剩余遗产	未作其他处分的全部财产由谁继承；若主受益人先于你去世，需指定替代受益人
未成年人信托	若受益人未满 21 岁，任命受托人，并注明资产转移年龄
监护条款	为任何未成年子女指定监护人——家庭法院会高度重视你的明确意愿
意愿函（不具约束力）	单独文件，说明丧葬安排、个人物品，以及你希望如何管理遗产

案例研究：Priya Nair 在新加坡的遗产规划

背景：Priya（44 岁）已与 Rahul 结婚，Rahul 是新加坡永久居民。两人有两个孩子，分别 8 岁和 14 岁。Priya 拥有一套 HDB 组屋（与 Rahul 联合共有）、一个私人银行账户，余额 SGD 380,000，以及 CPF 账户总余额约 SGD 210,000。

若不作规划，会有这些问题：

HDB 组屋为联合共有，Priya 去世后会按生存者取得权自动转给 Rahul——那里无需处理，但 Priya 应知道这不受遗嘱控制。
若没有遗嘱，银行账户将按《无遗嘱继承法》分配：SGD 190,000 给 Rahul，SGD 95,000 分别给两个孩子。
8 岁孩子的份额（SGD 95,000）会由公共受托人保管，直到满 21 岁——期间要扣行政费用，也没有弹性。

Priya 的遗嘱（经 Caira 审阅）：

执行人：Rahul 为主执行人，妹妹 Ananya 为替补。
银行账户：SGD 200,000 直接给 Rahul；其余部分由 Ananya 作为受托人代管，供两名孩子平均享有，直到 21 岁。
监护人：若 Rahul 也先于 Priya 去世，指定 Ananya 为孩子的监护人。
CPF：另行通过 CPF 网站将 100% 指定给 Rahul——不写入遗嘱。
Caira 的作用：Caira 指出，遗嘱的剩余遗产条款没有明确说明，若 Rahul 和某个孩子都先于 Priya 去世怎么办——这会让部分遗产落入无遗嘱继承。Priya 已更新为加入“按支系分配（per stirpes）”条款。

5. 遗嘱模板（Microsoft Word / PDF）

把下面模板复制到 Microsoft Word，填入方括号中的字段，打印出来，并在你签名时让两名见证人在场。
把原件存放在安全地点，并保留一份 PDF 备份。
告诉你的执行人原件存放在哪里。

📋 复制模板 → 粘贴到 Word 📄 复制纯文本

重要提示：此模板仅适用于非穆斯林新加坡人。穆斯林新加坡人应就遗产事宜咨询回教法庭。CPF 必须通过单独的 CPF 指定处理。

LAST WILL AND TESTAMENT OF [FULL LEGAL NAME]

I, [Full Legal Name], NRIC/Passport No. [Number], of [Full Singapore Address], being of sound mind and testamentary capacity, hereby revoke all former Wills and testamentary dispositions previously made by me and declare this to be my Last Will and Testament.

1. APPOINTMENT OF EXECUTOR(S)
1.1 I appoint [Full Name of Executor], NRIC No. [Number], of [Address], as the Executor of this my Will.
1.2 If the above named Executor is unable or unwilling to act, I appoint [Full Name of Substitute Executor], NRIC No. [Number], of [Address], as Executor in substitution.
1.3 I direct that my Executor shall not be required to provide any security for the due performance of their duties.

2. SPECIFIC BEQUESTS
2.1 I give my [property / asset description] at [address / account details] to [Full Name of Beneficiary], NRIC No. [Number], absolutely.
2.2 I give the sum of Singapore Dollars [Amount] (SGD [X]) to [Full Name of Beneficiary], NRIC No. [Number].
2.3 I give all my personal jewellery and personal effects to [Full Name of Beneficiary].

3. RESIDUARY ESTATE
3.1 I give the whole of the residue of my estate (both real and personal property, wherever situated) to [Full Name of Primary Beneficiary], NRIC No. [Number], absolutely.
3.2 If [Primary Beneficiary] shall predecease me or die within 30 days of my death, I give the residue of my estate to [Full Name of Substitute Beneficiary], NRIC No. [Number], absolutely.

4. TRUSTS FOR MINORS
If any beneficiary is under the age of twenty-one (21) years at the date of my death, their share shall be held on trust by [Full Name of Trustee], NRIC No. [Number], and invested and managed for that beneficiary's benefit until they attain the age of twenty-one (21) years, at which point the trust shall vest absolutely in that beneficiary.

5. APPOINTMENT OF GUARDIAN
In the event that I survive my spouse/partner, I appoint [Full Name of Guardian], NRIC No. [Number], of [Address], to be the guardian of my minor children, namely [Child's Name] (DOB: [Date]) and [Child's Name] (DOB: [Date]).

6. FUNERAL WISHES (Non-binding guidance)
I express my wish that my remains be [cremated / buried] and that a [religious / non-religious] ceremony be held. Further guidance is set out in my Letter of Wishes retained with this Will.

IN WITNESS WHEREOF, I have hereunto set my hand this [Day] day of [Month] [Year].

SIGNED by the above-named Testator as their Last Will and Testament, in the presence of both of us present at the same time, who at their request and in their presence and in the presence of each other have hereunto subscribed our names as witnesses:

Testator's Signature: ____________________________
Full Name: [Name]
Date: [Date]

LAST WILL AND TESTAMENT OF [FULL LEGAL NAME]

I, [Full Legal Name], NRIC/Passport No. [Number], of [Full Singapore Address], being of sound mind and testamentary capacity, hereby revoke all former Wills and testamentary dispositions previously made by me and declare this to be my Last Will and Testament.

1. APPOINTMENT OF EXECUTOR(S)
1.1 I appoint [Full Name of Executor], NRIC No. [Number], of [Address], as the Executor of this my Will.
1.2 If the above named Executor is unable or unwilling to act, I appoint [Full Name of Substitute Executor], NRIC No. [Number], of [Address], as Executor in substitution.
1.3 I direct that my Executor shall not be required to provide any security for the due performance of their duties.

2. SPECIFIC BEQUESTS
2.1 I give my [property / asset description] at [address / account details] to [Full Name of Beneficiary], NRIC No. [Number], absolutely.
2.2 I give the sum of Singapore Dollars [Amount] (SGD [X]) to [Full Name of Beneficiary], NRIC No. [Number].
2.3 I give all my personal jewellery and personal effects to [Full Name of Beneficiary].

3. RESIDUARY ESTATE
3.1 I give the whole of the residue of my estate (both real and personal property, wherever situated) to [Full Name of Primary Beneficiary], NRIC No. [Number], absolutely.
3.2 If [Primary Beneficiary] shall predecease me or die within 30 days of my death, I give the residue of my estate to [Full Name of Substitute Beneficiary], NRIC No. [Number], absolutely.

4. TRUSTS FOR MINORS
If any beneficiary is under the age of twenty-one (21) years at the date of my death, their share shall be held on trust by [Full Name of Trustee], NRIC No. [Number], and invested and managed for that beneficiary's benefit until they attain the age of twenty-one (21) years, at which point the trust shall vest absolutely in that beneficiary.

5. APPOINTMENT OF GUARDIAN
In the event that I survive my spouse/partner, I appoint [Full Name of Guardian], NRIC No. [Number], of [Address], to be the guardian of my minor children, namely [Child's Name] (DOB: [Date]) and [Child's Name] (DOB: [Date]).

6. FUNERAL WISHES (Non-binding guidance)
I express my wish that my remains be [cremated / buried] and that a [religious / non-religious] ceremony be held. Further guidance is set out in my Letter of Wishes retained with this Will.

IN WITNESS WHEREOF, I have hereunto set my hand this [Day] day of [Month] [Year].

SIGNED by the above-named Testator as their Last Will and Testament, in the presence of both of us present at the same time, who at their request and in their presence and in the presence of each other have hereunto subscribed our names as witnesses:

Testator's Signature: ____________________________
Full Name: [Name]
Date: [Date]

LAST WILL AND TESTAMENT OF [FULL LEGAL NAME]

I, [Full Legal Name], NRIC/Passport No. [Number], of [Full Singapore Address], being of sound mind and testamentary capacity, hereby revoke all former Wills and testamentary dispositions previously made by me and declare this to be my Last Will and Testament.

1. APPOINTMENT OF EXECUTOR(S)
1.1 I appoint [Full Name of Executor], NRIC No. [Number], of [Address], as the Executor of this my Will.
1.2 If the above named Executor is unable or unwilling to act, I appoint [Full Name of Substitute Executor], NRIC No. [Number], of [Address], as Executor in substitution.
1.3 I direct that my Executor shall not be required to provide any security for the due performance of their duties.

2. SPECIFIC BEQUESTS
2.1 I give my [property / asset description] at [address / account details] to [Full Name of Beneficiary], NRIC No. [Number], absolutely.
2.2 I give the sum of Singapore Dollars [Amount] (SGD [X]) to [Full Name of Beneficiary], NRIC No. [Number].
2.3 I give all my personal jewellery and personal effects to [Full Name of Beneficiary].

3. RESIDUARY ESTATE
3.1 I give the whole of the residue of my estate (both real and personal property, wherever situated) to [Full Name of Primary Beneficiary], NRIC No. [Number], absolutely.
3.2 If [Primary Beneficiary] shall predecease me or die within 30 days of my death, I give the residue of my estate to [Full Name of Substitute Beneficiary], NRIC No. [Number], absolutely.

4. TRUSTS FOR MINORS
If any beneficiary is under the age of twenty-one (21) years at the date of my death, their share shall be held on trust by [Full Name of Trustee], NRIC No. [Number], and invested and managed for that beneficiary's benefit until they attain the age of twenty-one (21) years, at which point the trust shall vest absolutely in that beneficiary.

5. APPOINTMENT OF GUARDIAN
In the event that I survive my spouse/partner, I appoint [Full Name of Guardian], NRIC No. [Number], of [Address], to be the guardian of my minor children, namely [Child's Name] (DOB: [Date]) and [Child's Name] (DOB: [Date]).

6. FUNERAL WISHES (Non-binding guidance)
I express my wish that my remains be [cremated / buried] and that a [religious / non-religious] ceremony be held. Further guidance is set out in my Letter of Wishes retained with this Will.

IN WITNESS WHEREOF, I have hereunto set my hand this [Day] day of [Month] [Year].

SIGNED by the above-named Testator as their Last Will and Testament, in the presence of both of us present at the same time, who at their request and in their presence and in the presence of each other have hereunto subscribed our names as witnesses:

Testator's Signature: ____________________________
Full Name: [Name]
Date: [Date]

6. 常见问题（FAQ）

问：我需要在新加坡登记我的遗嘱吗？
答：新加坡没有强制登记。
但你可以自愿将遗嘱存放于 新加坡法律学会遗嘱登记处（wills-registry.sal.sg），费用约 SGD 50–70。
这能让执行人在你去世后更容易找到遗嘱。
关键是要告诉执行人原件存放在哪里——找不到的遗嘱会被视为不存在。

问：手写遗嘱在新加坡有效吗？
答：可以有效——但仍需两名独立见证人在你在场时签名。
新加坡没有任何例外，允许完全手写的遗嘱在无见证人情况下有效（这与某些其他法域不同）。
两名见证人必须在你在场时同时签名。

问：在新加坡，哪些资产不受我的遗嘱控制？
答：CPF 储蓄（必须用 CPF 指定）、有指定受益人的保险单（《产权转易及财产法》第73条）、联权共有资产（按生存者取得权转移），以及信托中的资产。
请分别审视这些项目，确保你的整体遗产规划一致。

问：我的 HDB 组屋是联名持有——会怎样处理？
答：如果你的 HDB 组屋以 联权共有（joint tenancy） 持有（最常见），你去世后它会自动转给存活的共同业主——它不属于你的遗产，也不能由遗嘱处分。
如果它以 按份共有（tenancy in common） 持有，你的份额就属于遗产，可由遗嘱处理。