Self-Help Group (SHG) Tracker
Estimate your monthly 2026 community contributions based on your income and ethnicity.
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
- Select Group - Choose the community fund you contribute to based on your identification.
- Gross Income - Input your monthly salary (pre-CPF) to find your specific bracket.
- Check Deduction - The tracker reveals the exact monthly S$ amount deducted by your payroll.
Calculation Formula & Example
The Formula
Contribution = Tiered Rate based on Monthly Wage
Where:
- Bracket = Varies significantly by income level (e.g. S$0.50 to S$26.00).
- Opt-Out = You must submit a form to the respective group to stop deductions.
Example Calculation
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 of Using This Calculator
- 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!
Calculator Use Cases
Understand why your net pay occasionally fluctuates with salary changes.
Learn about the social infrastructure supported by your monthly community dues.
Frequently Asked Questions
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