top up CPF 变容易了
花生豆 • • 25594 次浏览We’ve launched a new feature in the mycpf mobile app!
If you’re considering topping up to your CPF account or that of your loved ones this festive season, here’s a new and convenient way to do it, even on the go!
You can now use the mycpf mobile app to top up in cash to your own Special Account (SA)/ Retirement Account (RA) or that of your loved ones. Similarly, you can also conveniently transfer your Ordinary Account (OA) savings to your own SA/ RA or to your loved ones’ SA/ RA.
Savings in your CPF can earn an interest of up to 5% per year if you are below age 55 and up to 6% if you are age 55 and above^. Grow your own and your loved ones’ savings faster with this risk-free interest from CPF!
Tip: Top up to your own or your loved ones’ CPF before 31 Dec 2018
to receive tax relief up to $7,000* a year for the Year of Assessment 2019.
Download the mycpf mobile app to top up!
^This interest rate includes an extra 1% interest paid on the first $60,000 of your combined CPF balances, with up to $20,000 from the OA. From age 55, you will also earn an additional 1% interest, up to 6%, on the first $30,000 of your combined CPF balances.
*Top-ups under the RSTU Scheme are irreversible and irrevocable. Terms and conditions apply. For more information, please refer to the CPF website.
Topping up with PayNow QR
Want a faster way to make a cash top-up? You can now make payment easily through PayNow QR. That way, your cash top-up to yourself or your loved ones can be credited in just one working day!
Simply follow these steps to submit your application for a cash top-up and pay with PayNow QR:
1. Log in to mycpf Online Services with your SingPass
2. Submit an application via My Requests > Building Up My/ My Recipient’s CPF Savings
3. Log in to your bank’s mobile app
4. Scan the QR code generated with your bank’s mobile app
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#1
SA满了的话top up就没有减税了先看清楚满了没有
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#2
多谢怎么知道满了呢
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#3
目前FRS(Full Retirement Sum)是18万1千超过FRS再填的部分没有免税。FRS会变动,181000只是目前的。
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#4
更正一下是171000.
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#5
是 SA这个吗? 还是3 个加起来昨天看了半小时也没看懂 太复杂了
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#6
简单一点理解为SA就行了只要SA没有超过17万就可以继续top up,反正失败的话钱会打回来的,放心top up吧。40岁以下除了少数经常发10个月奖金的公司都不可能满的。
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#7
哈哈 谢了完全看不懂, 看着讨论以为很容易满, 好差好远, 应该是到退休都不会满的
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#8
无法理解为啥看不懂
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#9
发100月的奖金也不会满的每年有contribution cap,年收超过102K的部分没CPF。
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#10
如果年年都按顶限交22岁工作,应该用不了40岁就满了,不算主动topup
只不过这样的人很少罢了 -
#11
有点玄吧SA的allocation rate好像才6-7%,一年就6K多块,18年也就110K多。算上利息不知道有没有。另外有几个人可以大学毕业就年薪10万以上,别忘了新加坡男性还要当多2年兵。
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#12
应该变成呼吁大家晒CPFSA 帖子啊哈哈哈
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#13
年纪大了那个%好像会变高
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#14
主要因为ma满了之后ma也会去sa到时候就是一年14%*6000*17=14280
超过35就是一年16%*6000*17=16320。五年本金就是8w多。
的确不是谁都轻松达到,但绝不需要特别高薪。 -
#15
正解ma满了后会流到sa
如果bonus多的话 不到40岁就满了 -
#16
bonus部分的CPF是不是没有上限
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#17
有的如果月薪超6000,奖金只有3w及以下的部分按比例扣cpf
超过3w的部分不扣了 -
#18
Bonus的CPF顶限的计算公式如下102K - 月工资 x 12
月工资超过6K时按6K算 -
#19
今年没有top up,赌政府有税务折扣2018没有,2017有
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#20
17年好像500就cap了
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#21
500就可以了,7000对应7%不也就490么
如果对应11%,也就800吧,为了省300,放7000亏了
如果对应15%以上,豪门请自便! -
#22
对应11%应该是省了将近800吧,那500税务回扣还是在的啊。这两项总共省税1300 vs 没有topup省税500。
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#23
您说的对,我的计算是有问题不过我的意思大概就是说,有500块的存在,交税的压力就没那么大了。当然还是看个人的情况了。收入越高可能500的影响越微小。