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

Top up using PayNow QR

23 条回复
  • 滚雪球
    #1

    SA满了的话top up就没有减税了先看清楚满了没有

  • 小土
    #2

    多谢怎么知道满了呢

  • kusubudo
    #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。

  • kusubudo
    #4

    更正一下是171000.

  • ccrystal
    #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

  • 滚雪球
    #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。

  • ccrystal
    #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

  • #8

    无法理解为啥看不懂

  • #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。

  • 走走
    #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。

  • #12

    应该变成呼吁大家晒CPFSA 帖子啊哈哈哈

  • Calicocat
    #13

    年纪大了那个%好像会变高

  • 走走
    #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。

  • vitesse
    #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

  • 走走
    #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

  • #20

    17年好像500就cap了

  • #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!

  • 走走
    #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。

  • #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。

狮城帮

狮城帮是关于分享和探索新加坡的地方

马上注册

已注册用户请 登录