Assumptions
- User selects the applicable fund for the employee.
- Monthly total wages are used to select the contribution band.
- Opt-out or fixed-amount arrangements are outside this estimator.
Self-Help Group Contribution Calculator Singapore
Calculate Singapore payroll CDAC, ECF, MBMF, and SINDA self-help group employee contribution amounts from monthly total wages.
Calculate SHG contribution
Estimate SHG employee deductions for CDAC, ECF, MBMF, or SINDA.
How SHG contributions are selected
CPFB says employers are expected to deduct employees contributions to self-help groups from wages. CDAC, ECF, and SINDA generally follow race/community rules, while MBMF is based on religion. Contributions are based on monthly total wages and the relevant fund table.
Source dateCPFB SHG page last updated 01 August 2025.CPFB contributions to self-help groups
What this does not cover
- Does not determine race or religion from employee identity data.
- Does not submit CPF or SHG payments.
Worked examples
CDAC S$5,000 wages
Monthly contribution is S$1.50.
MBMF S$4,500 wages
Monthly contribution is S$19.50.
SINDA S$8,000 wages
Monthly contribution is S$12.
Self-Help Group Contribution Calculator Singapore FAQs
Who contributes to MBMF?
CPFB says MBMF applies to employees who are Muslims and are Singapore Citizens, SPRs, or foreign employees.
Can employees opt out?
CPFB says employees who do not wish to contribute or want a different amount can contact the respective SHGs.
Is this employer CPF?
No. SHG contributions are employee deductions collected with CPF payments.