{"id":11112,"date":"2023-08-28T07:00:00","date_gmt":"2023-08-27T23:00:00","guid":{"rendered":"https:\/\/dollarsandsense.sg\/business\/?p=11112"},"modified":"2023-08-28T09:48:43","modified_gmt":"2023-08-28T01:48:43","slug":"cpf-contribution-ceiling-will-increase-in-september-2023-how-this-would-affect-workers-and-their-employers","status":"publish","type":"post","link":"https:\/\/dollarsandsense.sg\/business\/cpf-contribution-ceiling-will-increase-in-september-2023-how-this-would-affect-workers-and-their-employers\/","title":{"rendered":"CPF Contribution Ceiling Will Increase In September 2023. How This Would Affect Workers And Their Employers"},"content":{"rendered":"\n

In February 2023 during his Budget Speech, Deputy Prime Minister and Finance Minister Lawrence Wong announced that the CPF contribution ceiling would be gradually raised from the current level of $6,000, to $8,000 by 1 January 2026.<\/p>\n\n\n\n

This was, as we discussed in a previous article, a necessary step as the cost of living in Singapore has increased and this means Singaporeans, even those who are considered upper-middle income, need to do more to safeguard their retirement, as well as housing and medical needs.<\/p>\n\n\n\n

By contributing a higher amount each month to their CPF, Singaporeans will have more savings in their CPF Ordinary, Special and MediSave accounts to fund their housing, retirement and medical expenses.<\/p>\n\n\n\n

Read Also: <\/strong><\/em>Why Increasing Our CPF Monthly Salary Ceiling To $8,000 In Singapore Budget 2023 Was A Necessary Step<\/em><\/strong><\/a><\/p>\n\n\n\n

While setting aside more for the future is important, it also means there would be less money for today.<\/p>\n\n\n\n

With the first planned increase of the CPF Contribution Ceiling taking place from 1 September 2023, both workers and their employers will start to feel the effect of lower take-home salary (for workers), and higher salary cost (for employers).<\/p>\n\n\n\n

Timeline For The Increase In CPF Monthly Salary Ceiling<\/strong><\/h3>\n\n\n\n
 <\/td>CPF Monthly Contribution Ceiling<\/strong><\/td><\/tr>
Before 1 September 2023<\/td>$6,000<\/td><\/tr>
1 September 2023<\/td>$6,300<\/td><\/tr>
1 January 2024<\/td>$6,800<\/td><\/tr>
1 January 2025<\/td>$7,400<\/td><\/tr>
1 January 2026<\/td>$8,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

The CPF Contribution Ceiling caps the maximum amount that employers and employees have to contribute to their CPF accounts each month.<\/p>\n\n\n\n

For example, before 1 September 2023, a worker who earns $8,000 a month would only need to make employee contributions on the first $6,000 of monthly wages. Assuming the worker is below the age of 55, this means the worker contributes 20% of his monthly salary to the CPF account. Monthly take-home salary would be $4,800 (0.8 X $6,000) + $2,000 = $6,800<\/strong>.<\/p>\n\n\n\n

From 1 September 2023 onwards, the worker will need to make an employee contribution of 20% up to the first $6,300 of monthly salary. Assuming the same $8,000 a month salary, this means take take-home salary will reduce by $60 to $5,040 (0.8 X $6,300) + $1,700 = $6,740.<\/strong><\/p>\n\n\n\n

From 1 January 2026 onwards, the CPF monthly contribution ceiling would increase to $8,000. Assuming a salary of $8,000, this means the full salary of $8,000 is now subject to CPF contribution. Thus the worker\u2019s take-home salary will be $6,400<\/strong> (0.8 X $8,000), or $400 less than before.<\/p>\n\n\n\n

Given the current high inflation, this could be a challenge for some workers.<\/p>\n\n\n\n

Cost Of Hiring Will Also Increase For Employers<\/h3>\n\n\n\n

The other issue is that even with salaries remaining the same, employers will likewise need to contribute a higher amount each month as part of their employer\u2019s contribution.<\/p>\n\n\n\n

For example, assuming a $8,000 monthly salary for a worker below the age of 55, the monthly employers\u2019 CPF contribution is currently $1,020<\/strong> (17% of $6,000).<\/p>\n\n\n\n

From 1 September 2023 onwards, the employers\u2019 CPF contribution will increase to $1,071 (17% of $6,300). From 1 January 2026, the employer\u2019s CPF contribution for a worker earning $8,000 will be $1,360 (17% of $8,000), $340 more than the current contribution.<\/p>\n\n\n\n

Thus, the irony here is that while employers will be incurring a higher cost for their local employees in the coming years due to higher CPF contributions required, the take-home salaries of their workers will be lower.<\/p>\n\n\n\n

How Many Singapore Workers Will Be Affected?<\/h3>\n\n\n\n

For workers earning less than $6,000 a month, the increase in the CPF Contribution Ceiling do not affect them or their employers since their full salary is already subject to CPF contributions.<\/p>\n\n\n\n

According to the Labour Force in Singapore 2022 Report<\/a>, about 800,000 workers (out of a total of 2.3 million workers in Singapore) earn a salary of $6,000 or higher. For these workers and their employers, 1 September 2023 will see their take-home salary reduced while their employers will be incurring higher salary costs.  <\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Source: <\/em>Labour Force Singapore 2022 Report<\/em><\/a><\/p>\n\n\n\n

Those most affected will be workers who are currently earning between $6,000 to $8,000 (235,000 workers) as the increase in CPF contributions will amount to a higher percentage of their gross salary, as compared to workers earning $8,000 or more.<\/p>\n\n\n\n

Whether you are an affected worker reading this article, or an employer who has some employees with salaries that are higher than $6,000, it would be advisable to plan and budget in advance this increase in compulsory CPF contributions that will be taking place from 1 September 2023 till 1 January 2026.<\/p>\n\n\n\n

Read More: <\/strong><\/em>How Much More Will Employers Have To Pay For CPF Contributions Following Singapore Budget 2023<\/em><\/strong><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"Higher cost for employers and lower take-home salaries for workers. \n","protected":false},"author":4,"featured_media":11118,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[95],"tags":[354,1802,370,1803,1180],"class_list":["post-11112","post","type-post","status-publish","format-standard","has-post-thumbnail","category-policies","tag-cpf","tag-cpf-contribution-ceiling","tag-cpf-contributions","tag-employer-cpf-contribution","tag-employers"],"yoast_head":"\nCPF Contribution Ceiling Will Increase In September 2023. 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