How do you find affordable therapy/counselling in Singapore?

Subsidised psychologists via a polyclinic or hospital referral are completely legit and means-tested so much cheaper than private, the main trade-off is a longer waiting time, sometimes weeks, because demand is high. Since you said you're not in crisis, that wait is usually workable and worth it for the cost saving, just get on the list sooner rather than later so the clock starts. Start with a polyclinic GP who can refer you, or call the National Care Hotline on 1771 and they'll point you to the right service for your situation. One important caveat though, if things ever do escalate to a crisis while you're waiting, don't sit on the waitlist, call the emergency helplines immediately. And do confirm the current fees directly with the provider since they change.

Check whether your workplace has an EAP, an Employee Assistance Programme, because mine quietly gave me a handful of free confidential counselling sessions and HR never knew who used it or what I discussed, it's run by an external provider precisely so it stays private. It's a great low-barrier way to start, no referral, no cost to you, just call the number in your staff handbook or ask HR generally 'do we have an EAP' without explaining why. If your company doesn't offer one, then the polyclinic referral route to a subsidised psychologist is the way to go, means-tested and much cheaper than private. Either way, since you're not in crisis, you have time to start gentle, an EAP session is an easy first door.

Family Service Centres near you offer subsidised counselling and a lot of people genuinely don't know this exists, they picture FSCs as only for crisis or low-income cases, but they help with all sorts of everyday struggles, stress, relationships, work, family. I got several sessions at a small fraction of private clinic rates and the counsellor was properly trained and professional, no lesser quality just because it's subsidised. Just Google 'Family Service Centre' plus your town or estate and you'll find the one serving your area, then call to ask about counselling. There's no shame in walking in, they see ordinary people working through ordinary hard things every single day. It's one of the most underused affordable options out there.

You have more affordable options than the pricey private clinics. What I've used/researched: 1) polyclinic GP referral to a subsidised psychologist at a restructured hospital, means-tested so much cheaper, 2) Family Service Centres (FSCs) offer subsidised or free counselling in your area, 3) some non-profits and community mental health outfits (check the Agency for Integrated Care / CHAT for youth) offer low-cost sessions, 4) your company EAP if you have one, usually a few free confidential sessions, 5) student counselling if you're studying. Steps: start with a polyclinic GP or call the National Care Hotline (1771) to get pointed to the right service. It's not as fast as private but it's real and affordable. Please verify current subsidies and eligibility with the actual providers, as schemes and fees change.