https://themoneybees.co/assets/SelfEmployedMedisavePage-CkVQ2QiS.js

1import{j as e}from"./vendor-motion-BCy7ab5t.js";import{r}from"./vendor-embla-BJRVZsV6.js";import{l as u,ay as C,az as j,m as c}from"./index-BLj6R6_t.js";import{C as B,f as a}from"./CalculatorShell-D2LR2OdE.js";import{N as n}from"./InputField-qASat2DZ.js";import{C as F}from"./ChoiceField-KFqN5kwa.js";import{S as p}from"./StatTile-Iq_isGWn.js";import{D as M}from"./DataTable-Czwd39cd.js";import{T as d}from"./TextCard-Dlu0vXBN.js";import{S as P}from"./SourcesCard-91fKMp92.js";import{L as h,l as A}from"./LinkListCard-DC5Wv1-I.js";import{s as R,A as I,a as H,B as y,r as T}from"./sep-medisave-BPE3mu_r.js";import"./vendor-react-CluDhzVS.js";import"./vendor-radix-De_UMYkd.js";import"./vendor-query-BuvZ5km2.js";import"./vendor-supabase-BbzSFA1B.js";import"./comparison-cross-links-BriBPwnO.js";import"./comparisons-CkPcBcww.js";import"./mas-rates.generated-1OTcZy-3.js";import"./calculators-BcjQIGsW.js";import"./heart-pulse-B43vo90D.js";import"./chart-line-CZa8viTY.js";import"./coins-DWzP_BQE.js";import"./sparkles-CHsJwS56.js";import"./hammer-Q1ewDLyQ.js";import"./list-checks-BJWBXC7x.js";import"./input-DXC_NzSH.js";import"./checkbox-CBfFGTE-.js";import"./check-CQWr8TPG.js";import"./label-DEoOTcpb.js";import"./TurnstileField-DYm0PUbC.js";import"./circle-check-D_WjAOXx.js";import"./CalculatorBreadcrumb-D7A7BLCm.js";import"./calculator-schema-BVJpytCy.js";import"./Byline-DvdgSx0P.js";import"./mas-rates-format-BFA_ICCg.js";import"./calculator-embed-context-DhYaAhoM.js";import"./chevron-left-pHM4LD5q.js";import"./circle-help-DaRSDG8n.js";import"./select-C2kQd2r2.js";const N=[{question:"Do self-employed people have to pay MediSave?",answer:"Yes, if you are a Singapore citizen or PR and your net trade income for the year is above S$6,000. CPF Board works out the amount from your income as IRAS assesses it."},{question:"What are the MediSave rates for the self-employed in 2026?",answer:"For net trade income above S$18,000: 8% below 35, 9% from 35 to below 45, 10% from 45 to below 50 and 10.5% from 50, by your age on 1 January. Lower rates of 4% to 5.25% apply above S$6,000 to S$12,000."},{question:"How is MediSave worked out between S$12,000 and S$18,000?",answer:"CPF phases the rate in. Below 35, you pay S$480 plus 16% of your income above S$12,000. The other age groups use S$540 plus 18%, S$600 plus 20% and S$630 plus 21%."},{question:"What is the most I pay?",answer:"S$7,680 below 35, S$8,640 from 35 to below 45, S$9,600 from 45 to below 50 and S$10,080 from 50 in 2026. These equal the full rate on S$96,000. Pensioners pay at most S$5,760."},{question:"When do I pay MediSave as a self-employed person?",answer:"CPF Board sends a notice of CPF contributions after IRAS assesses your income. Pay in full within 30 days of the notice, or set up a GIRO instalment plan."},{question:"Do I still pay MediSave if my account has reached the BHS?",answer:"Yes. Any amount above your Basic Healthcare Sum moves to your SA, or your RA from 55, up to the Full Retirement Sum, then to your OA. The BHS is S$79,000 in 2026 below 65. It is fixed for life at 65, so if you turned 65 before 2026 yours is lower, for example S$63,000 at 70."},{question:"Can I get tax relief on my MediSave contributions?",answer:"Yes. You get full tax relief on the compulsory MediSave you pay as a self-employed person."}

1,{question:"What if I do not pay?",answer:"CPF Board says you can apply for or renew your licences only once you have paid in full or set up a GIRO instalment plan."}],Y="3 Oct 2026",k=[{label:"CPF Board: MediSave contribution rates for self-employed persons, applicable for 2026",url:"https://www.cpf.gov.sg/service/sfc/servlet.shepherd/document/download/069IW00000G4S1QYAV"},{label:"CPF Board: saving as a self-employed person (notice, 30-day due date, instalments, licences)",url:"https://www.cpf.gov.sg/member/growing-your-savings/cpf-contributions/saving-as-a-self-employed-person"},{label:"CPF Board: limiting MediSave payable, S$96,000 from 2026",url:"https://www.cpf.gov.sg/service/article/what-are-the-conditions-for-applying-to-limit-my-medisave-payable-as-a-self-employed-person"},{label:"CPF Board: Basic Healthcare Sum, S$79,000 in 2026",url:"https://www.cpf.gov.sg/service/article/what-is-the-basic-healthcare-sum"},{label:"IRAS: compulsory and voluntary MediSave contributions",url:"https://www.iras.gov.sg/taxes/individual-income-tax/self-employed-and-partnerships/compulsory-and-voluntary-medisave-contributions"}],q={none:"S$6,000 or less: nothing payable",low:"above S$6,000 to S$12,000: flat rate",phase:"above S$12,000 to S$18,000: phased in",full:"above S$18,000: full rate"},je=()=>{const[l,S]=r.useState(6e4),[s,f]=r.useState(42),[t,b]=r.useState("no"),[i,v]=r.useState(4e4),o=r.useMemo(()=>R({nti:l,age:s,pensioner:t==="yes",balance:i}),[l,s,t,i]),w=H(s);return e.jsx(B,{title:"Self-employed MediSave contribution calculator",description:"Work out the MediSave you must pay as a self-employed person from your net trade income and age, on CPF's 2026 rates, with the phase-in between S$12,000 and S$18,000, the cap and what happens once you reach the Basic Healthcare Sum.",metaDescription:"Self-employed MediSave contribution calculator for 2026: CPF's rates by age and net trade income, the S$12,000 to S$18,000 phase-in, maximums up to S$10,080 and the BHS.",canonical:"https://themoneybees.co/calculators/self-employed-medisave",calculatorSlug:"self-employed-medisave",getLeadSnapshot:()=>({inputs:{nti:l,age:s,pen:t,bal:i},results:{amount:o.amount,overflow:o.overflow}}),faqs:N,inputs:e.jsxs(u,{children:[e.jsx(C,{children:e.jsx(j,{className:"text-lg",children:"Your self-employed income"})}),e.jsxs(c,{className:"space-y-5",children:[e.jsx(n,{id:"sep-nti",label:"Net trade income for the year",prefix:"S$",value:l,onChange:S,step:1e3,hint:"Gross trade income less allowable expenses, as IRAS assesses it. Leave out platform work your operator already pays CPF on."}),e.jsx(n,{id:"sep-age",label:"Your age on 1 Jan",suffix:"yrs",value:s,onChange:f,min:16,max:100}),e.jsx(F,{id:"sep-pen",label:"You receive a pension",value:t,onChange:b,options:[{value:"no",label:"No"},{value:"yes",label:"Yes"}],hint:"CPF uses lower rates for pensioners."}),e.jsx(n,{id:"sep-bal",label:"MediSave balance now",prefix:"S$",value:i,onChange:v,step:1e3})]})]}),results:e.jsxs(e.Fragment,{children:[e.jsxs("div",{className:"grid grid-cols-1 sm:grid-cols-3 gap-4",children:[e.jsx(p,{label:"MediSave payable",value:a(o.amount),accent:"blue",helper:o.amount>0?`${o.ratePct.toFixed(2)}% of your net trade income`:"nothing payable"}),e.jsx(p,{label:"Stays in MediSave",value:a(o.toMedisave),accent:"gold",helper:`room to the ${a(y)} BHS`}),e.jsx(p,{label:"Flows on to SA, RA or OA",value:a(o.overflow),helper:"the part above the BHS"})]}),e.jsx(u,{children:e.jsxs(c,{className:"p-6 text-sm text-slate-700 space-y-2",children:[e.jsxs("p",{children:["Your income falls in the band ",q[o.band],". ",o.band==="full"&&e.jsxs(e.Fragment,{children:["The most anyone your age pays is ",a(o.max),", the ",o.full,"% rate on S$96,000."]})]}),e.jsx("p",{children:"CPF Board sends a notice once IRAS has assessed your income. Pay within 30 days, or set up a GIRO instalment plan. You get full tax relief on this compulsory amount."})]})})]}),footer:e.jsxs("div",{className:"space-y-6",children:[e.jsx(M,{title:`MediSave rates for self-employed persons, 2026${t==="yes"?" (pensioners)":""}`,intro:"By your age on 1 January and your net trade income.",headers:["Age","Above S$6,000 to S$12,000","Above S$18,000","Maximum"],rows:I.map((g,x)=>{const[$,m]=T([30,40,47,55][x],t==="yes");return[g,`${$}%`,`${m}%`,a(96e3*m/100)]}),highlight:w,note:"Between S$12,000 and S$18,000 the rate rises step by step from the lower to the full rate, by CPF's formula. Source: CPF Board."}),e.jsxs(d,{title:"When your MediSave is full",children:[e.jsxs("p",{children:["You still pay MediSave after reaching the ",a(y)," Basic Healthcare Sum. The part above it moves to your SA (your RA from 55

1) up to the Full Retirement Sum, then to your OA."]}),e.jsx("p",{children:"If you also earn a salary or platform income above S$96,000 for the year, you can write to CPF Board to limit what you pay."})]}),e.jsxs(d,{title:"Worked example",tone:"blue",children:[e.jsx("p",{children:"You are 42 on 1 Jan and your net trade income is S$60,000. That is above S$18,000, so the full 9% rate applies: S$5,400."}),e.jsx("p",{children:"With S$76,000 already in MediSave, S$3,000 takes you to the S$79,000 BHS. The other S$2,400 goes to your SA."}),e.jsx("p",{children:"Had your income been S$15,000 at age 30, CPF's phase-in gives S$480 plus 0.16 x S$3,000, or S$960."})]}),e.jsx(P,{sources:k,checked:Y}),e.jsxs("div",{className:"grid gap-6 sm:grid-cols-2",children:[e.jsx(h,{title:"Related calculators",links:A([{to:"/calculators/cpf-contribution",label:"CPF contribution calculator"},{to:"/calculators/medishield-life",label:"MediShield Life premium calculator"},{to:"/calculators/income-tax",label:"Income tax calculator"},{to:"/calculators/earned-income-relief",label:"Earned income relief calculator"}])}),e.jsx(h,{title:"Related guides",links:[{to:"/blog/self-employed-cpf-medisave-contribution",label:"CPF MediSave for the self-employed"},{to:"/blog/medisave-limits",label:"MediSave withdrawal limits"}]})]})]})})};export{je as default};