Estimate employee and employer MPF contributions from monthly relevant income, including voluntary contributions and a balance projection.
MPF contribution planning
Estimated monthly MPF
HK$0.00
Methodology
The calculator applies a 5% mandatory employee and employer contribution to monthly relevant income within the visible minimum and maximum relevant income levels. Optional voluntary employee and employer rates are then added. Annual totals and a simple projected balance are calculated from contribution months, opening balance and expected return.
Worked example
A monthly relevant income at or above the maximum contribution level uses the capped mandatory base. Voluntary percentages are applied separately so users can see what is statutory and what is optional.
Common questions
No. Employer MPF is shown separately as an employer contribution. Employee MPF is the part deducted from employee pay.
Mandatory MPF uses a maximum relevant-income level. Income above that monthly ceiling does not increase the mandatory contribution in this simplified model.
Yes. Add voluntary employee or employer percentages to compare extra retirement saving scenarios.
No. The balance projection uses a simple expected-return input and does not model real investment volatility or fees.
Primary reference: Mandatory Provident Fund Schemes Authority — mandatory contributions. Rules reviewed 24 October 2026.
Rule period: Current published rules within the page’s stated period and scope
Next scheduled review: 15 December 2026
The implemented rates, thresholds, displayed scope and representative boundary behaviour were reviewed against the primary source linked on the page.
Simplified MPF contribution planning. Industry schemes, casual employees, exact payroll rounding, exempt persons, offsetting rules, tax-deductible voluntary contribution limits and scheme-level fees are excluded. This calculator provides a planning estimate, not personal financial or tax advice.