{"slug":"singapore-platform-worker-cpf","name":"Singapore Platform Worker CPF Calculator (Platform Workers Act)","category":"earn","tags":["income","employment","planning"],"region":"SG","tagline":"Your monthly CPF deduction and operator top-up as a ride-hail or delivery platform worker — by birth cohort, vehicle, and the 2025–2029 rate ramp.","endpoint":"https://xearno.tools/api/v1/tools/singapore-platform-worker-cpf","page":"https://xearno.tools/t/singapore-platform-worker-cpf","description":"Computes platform-worker CPF under Singapore’s Platform Workers Act (in force 1 Jan 2025) — a regime new enough that general AI either doesn’t know it or garbles it. Three inputs users never think to volunteer decide everything: your BIRTH DATE (born on/after 1 Jan 1995 → increased contributions are mandatory; born before → voluntary via an irrevocable opt-in, otherwise MediSave-only), your VEHICLE (the 60/35/20% fixed expense deduction moves the CPF base by 3× for the same gross), and the YEAR (rates ramp every January to full employee parity in 2029). It also gets right what models confidently invert: no monthly ceiling — unlike employees — but a $102,000/year net-earnings cap per platform operator.","inputSchema":{"type":"object","properties":{"birthYear":{"description":"Birth year The hard line: born on or after 1 Jan 1995 → increased CPF contributions are MANDATORY. Born before → voluntary, by an IRREVOCABLE opt-in (otherwise MediSave-only). Two riders doing identical work, born days apart, live under different regimes.","type":"number","minimum":1955,"maximum":2010,"default":1996},"optedIn":{"description":"Born before 1995 — have you opted in? Only matters if you were born before 1 Jan 1995. The opt-in is irreversible — once made, you are treated exactly like the mandatory cohort (worker share + operator share), forever.","type":"string","enum":["no","yes"],"default":"no"},"age":{"description":"Age Sets the rate band: 35 & below, >35–45, >45–50, >50–55, >55–60, >60–65, >65–70, >70. Each band has its own worker/operator split.","type":"number","minimum":16,"maximum":80,"default":30},"year":{"description":"Contribution year Rates ramp every January until full employee parity in 2029. 2027+ figures for ages 55–70 are subject to the senior-worker contribution schedule.","type":"string","enum":["2025","2026","2027","2028","2029"],"default":"2026"},"grossMonthly":{"description":"Gross platform earnings per month (S$) Fares and fees as paid out by the platform, before the fixed expense deduction. Per operator.","type":"number","minimum":0,"default":3000},"vehicle":{"description":"How do you work? CPF applies to NET earnings = gross minus a fixed expense deduction (FEDA) set by your mode of work: 60% for cars/vans/lorries, 35% for motorcycles/PABs/PMDs, 20% otherwise. A car driver’s CPF base is only 40% of gross.","type":"string","enum":["car","motorcycle","bicycle"],"default":"bicycle"}},"required":[],"additionalProperties":false},"methodology":["Net earnings (the CPF base) = gross platform earnings × (1 − FEDA), where the Fixed Expense Deduction Amount is 60% for cars/vans/lorries, 35% for motorcycles/power-assisted bicycles/PMDs, and 20% for bicycles/on foot/public transport. All contributions are computed on net earnings, never gross.","Rate schedule (monthly net earnings above $750): operator % + worker % of net earnings, by age band and contribution year, per the CPF platform-worker schedule 2025–2029 (Mar 2026 revision) — e.g. age ≤ 35 goes 3.5% + 10.5% (2025) → 7% + 13% (2026) → 10.5% + 15.5% (2027) → 14% + 18% (2028) → 17% + 20% (2029, full employee parity). Bands above 55 follow lower schedules that plateau early; 2027+ figures for ages 55–70 are subject to alignment with the senior-worker contribution schedule. Rounding follows CPF practice: the total contribution is rounded to the nearest dollar (≥ 50¢ up), the worker share is computed and its cents dropped, and the operator share is the difference.","Low-earnings tiers (all years): net earnings ≤ $50/month attract nothing; $50–500 the operator pays its headline rate but the worker pays nil; $500–750 the operator pays in full while the worker share phases in as factor × (net earnings − 500). The factor is 3 × the headline worker rate — this reproduces CPF’s published 2026 factors exactly (e.g. 0.39 = 3 × 13%, 0.465 = 3 × 15.5%) and is forced by continuity with the full rate at $750, so the same construction is applied to every year; CPF’s published factors for other years may differ in rounding.","Ceilings: there is deliberately NO monthly ceiling on platform-worker CPF (unlike employees’ $8,000 Ordinary Wage ceiling from 2026). Instead, net earnings attract contributions up to an annual cap of $102,000 per platform operator. Monthly figures here are shown uncapped; the tool flags when projected annual net earnings would cross the cap.","Born before 1 Jan 1995 and not opted in: operators deduct MediSave-only contributions from the worker’s earnings — 8% (≤ 35), 9% (>35–45), 10% (>45–50), 10.5% (>50) of net earnings above $750, phased between $500 and $750 at 3 × the rate (0.24–0.315 per dollar above $500), nil at or below $500 — with no operator share. Opting in is irrevocable and moves the worker onto the full schedule above, identically to the mandatory cohort.","PCTS (Platform Workers CPF Transition Support): for workers with total net income ≤ $3,000/month, the government offsets the year-on-year INCREASE in the worker’s Ordinary/Special-account share — 100% in 2025, 75% in 2026, 50% in 2027, 25% in 2028, ending in 2029. It is automatic, paid monthly in cash via PayNow, and modeled here as an information note (a transfer alongside the deduction, not a change to it).","Allocation: both shares pool into one contribution and are split across MediSave, Special (Retirement above 55) and Ordinary accounts per CPF’s official allocation ratios — MediSave takes the bulk in early ramp years (~57% of the ≤35 total in 2025, falling toward ~22% by 2029). The full ratio table is not modeled here.","This models the standard cases under the Platform Workers Act. It does not model mid-year birthday band changes, multiple concurrent operators (compute each separately — the $102k cap is per operator), or back-payments. CPF obligations are computed and remitted by operators; this is a planning tool."],"usage":"POST https://xearno.tools/api/v1/tools/singapore-platform-worker-cpf with a JSON body matching inputSchema."}