MPF Calculator Hong Kong: 5% Contributions and Balance
Calculate Hong Kong MPF contributions: 5% from you and 5% from your employer, the HK$7,100 and HK$30,000 limits, the tax deduction and the future balance.
Returns depend on the funds you choose and are not guaranteed. Since 1 May 2025 employers can no longer use their MPF contributions to offset severance or long service payments for later service.
What it does
The Mandatory Provident Fund (MPF) requires employees aged 18 to 64 and their employers to each pay 5% of relevant income into an MPF scheme. Income below HK$7,100 a month is exempt for the employee, but the employer still pays; above HK$30,000 a month contributions are capped at HK$1,500 each. Your mandatory contributions are tax-deductible up to HK$18,000 a year, and tax-deductible voluntary contributions and annuity premiums up to HK$60,000 more. The money stays invested until age 65.
How to use it
- Type your monthly relevant income.
- Add voluntary contributions, the years until 65, the expected return and your current balance.
- Read the monthly contributions, the tax deduction and the balance at retirement.
The arithmetic runs in your browser. Nothing you type is sent anywhere and nothing is stored, so you can use these with real numbers.
Frequently asked questions
How much MPF on HK$25,000 a month?
HK$1,250 from you and HK$1,250 from your employer, so you take home HK$23,750 before tax and can deduct HK$15,000 a year.
And on HK$6,000 a month?
You pay nothing because it is below HK$7,100, but your employer pays 5%, HK$300.
How much could I have after 30 years?
On HK$50,000 a month both sides pay the HK$1,500 maximum; at 4% a year for 30 years that grows to about HK$2,055,812.
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