Singapore Platform Worker CPF Calculator (Platform Workers Act)
singapore_platform_worker_cpfYour 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. 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 $102,000/year net-earnings cap per platform operator.
Input Schema
| Name | Required | Description | Default |
|---|---|---|---|
| age | No | Age Sets the rate band: 35 & below, >35–45, >45–50, >50–55, >55–60, >60–65, >65–70, >70. Each band has its own worker/operator split. | |
| year | No | Contribution year Rates ramp every January until full employee parity in 2029. 2027+ figures for ages 55–70 are subject to the senior-worker contribution schedule. | 2026 |
| optedIn | No | Born before 1995 — have you opted in? Only matters if you were born before 1 Jan 1995. The opt-in is irreversible — once made, you are treated exactly like the mandatory cohort (worker share + operator share), forever. | no |
| vehicle | No | How do you work? CPF applies to NET earnings = gross minus a fixed expense deduction (FEDA) set by your mode of work: 60% for cars/vans/lorries, 35% for motorcycles/PABs/PMDs, 20% otherwise. A car driver’s CPF base is only 40% of gross. | bicycle |
| birthYear | No | Birth year The hard line: born on or after 1 Jan 1995 → increased CPF contributions are MANDATORY. Born before → voluntary, by an IRREVOCABLE opt-in (otherwise MediSave-only). Two riders doing identical work, born days apart, live under different regimes. | |
| grossMonthly | No | Gross platform earnings per month (S$) Fares and fees as paid out by the platform, before the fixed expense deduction. Per operator. |