Self-Help Group (SHG) Tracker
Estimate your monthly 2026 community contributions based on your income and ethnicity.
Last updated: April 2026
Community Contributions
In Singapore, self-help groups (SHGs) are community-led organizations that provide various social, educational, and welfare programs for their respective communities.
Contributions to these groups are automatically deducted from your monthly salary by your employer and channeled to the relevant fund based on your race / religion.
The groups include: CDAC (Chinese), MBMF (Muslim), SINDA (Indian), and ECF (Eurasian).
How to use this calculator
- 1Select Group — Choose the community fund you contribute to based on your identification.
- 2Gross Income — Input your monthly salary (pre-CPF) to find your specific bracket.
- 3Check Deduction — The tracker reveals the exact monthly S$ amount deducted by your payroll.
Formula & example
Contribution = Tiered Rate based on Monthly Wage
A Chinese employee earning S$6,000/month contributes S$3.00/month to the CDAC. A Muslim employee at the same income contributes S$12.50/month to the MBMF.
Benefits
Social Impact
Your small monthly contribution helps fund tuition, bursaries, and eldercare for those in need.
Payroll Accuracy
Verify that your HR department is deducting the correct amount based on the latest tiers.
Tax Relief
Contributions to most of these funds are tax-deductible automatically!
Use cases
Paycheck Breakdown
Understand why your net pay occasionally fluctuates with salary changes.
Community Support
Learn about the social infrastructure supported by your monthly community dues.
Frequently asked questions
Is it mandatory?+
It is an 'auto-inclusion' scheme, meaning it is mandatory unless you take the step to opt-out manually.
What if I am of mixed race?+
You can choose which group to contribute to, or contribute to both if you wish.