Hong Kong MPF Contribution Calculator

How to do it

1. 1
   Step 1: Open Hong Kong MPF Contribution Calculator and add your input

   Type your numbers or text, add your file, or pick the options you need. Nothing is uploaded: everything stays in your browser.

2. 2
   Step 2: What Hong Kong MPF Contribution Calculator does

   Calculate employee and employer MPF contributions and project the fund over the years.

3. 3
   Step 3: Read the result and compare

   The result appears at once. Change one value to see how the answer moves, then keep the figure that fits your case.

4. 4
   Step 4: Copy or save it

   Copy the result or download it. For an important decision, confirm it with the official source or an adviser.

About this tool

Enter your monthly relevant income, the years you will contribute and the expected yearly return. The calculator shows the mandatory contributions of employee and employer, the total paid in and the projected value.

The rule

Both employee and employer pay 5% of relevant income. The minimum relevant income is HK$7,100 a month, below which the employee does not contribute (the employer still does) and the maximum is HK$30,000 a month, so each side pays at most HK$1,500 a month.

The projection

The value is worked out with monthly contributions, monthly compounding and a constant return that you choose. Fees and real market returns will differ.

Voluntary contributions

Extra contributions up to the tax deduction limit lower your tax; they are not included here.

Worked example

A monthly income of HK$25,000 gives HK$1,250 from the employee and HK$1,250 from the employer, HK$2,500 a month or HK$600,000 over 20 years. At a 4% yearly return the fund grows to about HK$916,900.

Tips for best results

Check every box before you rely on a result, because one wrong digit changes the whole answer. Use the exact figures from your payslip, bill, certificate or contract, and keep a note of the date you calculated. Rates, thresholds and rules change from time to time, so for tax, fees and legal matters treat the output as an estimate and confirm with the official source named on this page. You can run as many scenarios as you like; nothing is saved or sent, and refreshing the page clears the boxes.