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Retirement Calculator: MPF Estimate From Your Assumptions

This retirement calculator applies current MPF contribution rules (5% each, capped at HK$1,500 a month) and your own return assumption to estimate a nominal balance at retirement age. The result is arithmetic only, not any fund’s future performance, and not retirement or investment advice.

Last updated: 2026-10-21

Method and assumptions

• Monthly mandatory contributions follow current rules (5% employer + 5% employee, HK$30,000 relevant-income cap, no employee contribution under HK$7,100), plus optional voluntary contributions.
• Income grows each year at the rate you enter (the contribution cap stays fixed).
• The balance compounds monthly at your "net-of-fee annual return".
• No inflation adjustment (results are nominal; enter a lower return to approximate real terms).
All inputs are your assumptions, not forecasts for any fund or market.

This page is general educational information, not investment, tax or legal advice, and does not consider anyone's circumstances. Rules may change; rely on the latest official MPFA, Labour Department, IRD and trustee information and consult a licensed or registered professional where appropriate. Full disclaimer

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FAQ

When can MPF be withdrawn?

Generally at 65; also on early retirement at 60, or on statutory grounds such as permanent departure, total incapacity, terminal illness, small balance or death.

Does this predict my retirement balance?

No. It only does arithmetic on your assumptions; actual results depend on markets, fees, contributions and more.