CDAC Contribution Calculator 2026
Easily calculate how much you are required to contribute to the Chinese Development Assistance Council (CDAC) fund each month based on your gross salary in Singapore.
Last updated: May 2026
Reviewed by Anjali Mehta
•Personal Finance AnalystA seasoned financial journalist and analyst. Anjali focuses on making complex financial data accessible and ensuring our tools provide practical, real-world value to users. All mathematical models and regulatory data points have been verified for the current 2026 fiscal period.
What is CDAC Contribution?
The Chinese Development Assistance Council (CDAC) is a self-help group in Singapore. By law, all working Singapore Citizens and Permanent Residents (PRs) belonging to the Chinese community are required to make a small monthly contribution to the CDAC fund.
These funds are used to offer programs and assistance to the less privileged in the Chinese community, focusing on education, worker upgrading, and family support.
How to use this calculator
- 1Enter Gross Wage — Input your total monthly gross wage (including basic salary, allowances, and overtime pay, but excluding bonus).
- 2Select Group (Optional) — The calculator is pre-set to CDAC, but you can switch to SINDA, MBMF, or ECF to compare rates.
- 3View Monthly Deduction — See the exact amount that will be automatically deducted from your payslip each month.
Formula & example
CDAC Contribution Rates (Based on Monthly Gross Wage)
Example: If you earn a gross wage of $4,500 per month.
- Wage tier: $3,501 to $5,000
- Monthly CDAC Deduction: $1.50
- Total Annual Deduction: $18.00
Benefits
Automatic Process
Employers automatically deduct this from your salary, so you don't need to arrange payment.
Tax Deductible
All SHG contributions are tax-deductible. They will automatically reflect in your auto-included tax assessment.
Community Impact
Your small monthly contribution collectively helps thousands of families with education and financial aid.
Use cases
Checking Payslips
Verify that your HR department has deducted the correct CDAC amount from your monthly salary.
Opt-Out Considerations
While you can opt-out by filling a form, understanding the minimal amount often encourages employees to stay opted-in.
Frequently asked questions
Is CDAC contribution mandatory?+
It is automatically deducted by law, but it is not compulsory. You can choose to opt-out or change your contribution amount by downloading an opt-out form from the CDAC website and submitting it to your employer.
Do foreigners (EP/S Pass holders) pay CDAC?+
No. CDAC contributions only apply to Singapore Citizens and Permanent Residents (PRs) of Chinese descent.
Does bonuses affect CDAC contribution?+
No. CDAC contribution is based on your monthly gross wage. Variable bonuses (like 13th month AWS or performance bonus) are not factored into this specific deduction tier.