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新加坡CPF月工资上限飙升至8,000新元，对我们有什么影响？

新加坡2023年度预算中有许多宣告，明确了新一年新加坡政府的政策重点。其中一个更为重大的变化是公积金（CPF）月工资上限的调整，从2023年9月1日开始，将逐步从6000新元提高到8000新元。副总理黄循财表示，这必须这样做是为了避免“在未来的时候为我们自己和社会制造更多问题”。

下面是对这一变化的深入分析，以及它将如何影响CPF会员的退休收入

CPF月（普通工资）和年（额外工资）工资上限是什么

我们通常所说的CPF月工资上限在技术上被称为CPF普通工资（Ordinary Wage）上限。这限制了一个人的月工资中有多少会参与CPF缴款。自2016年以来，CPF 月工资上限一直设定为6000新元。这意味着强制性的CPF缴款（雇主和雇员都需要缴纳）只需支付一个人月工资的前6000新元。

除了CPF月工资上限外，还有CPF年工资上限，它限制了整个年度需支付的CPF缴款总额。这被称为CPF额外工资（Additional Wage）上限。之所以存在年度AW上限，是为了控制CPF缴款支付在可变工资（如奖金）。

CPF AW上限目前为102,000新元。这个金额是月工资上限的17倍，这意味着在一年中等于五个月工资的奖金仍会参与CPF缴款。在2023年度预算中，这个年度上限保持不变。

CPF月缴纳上限的提高会如何影响我们的收入？

这一变化将影响那些每月收入超过6000新元，但不超过8000新元的“幸运”人士。

一方面，他们将看到实际收入的减少，因为他们需要在6000新元至8000新元之间的部分工资上进行CPF缴款，依据当前的年龄分级缴费率。

另一方面，这些工作者将看到总体工资的增加，因为他们6000新元至8000新元之间的工资现在需要他们的雇主进行相匹配的CPF缴款。

CPF月工资上限何时调整

政府宣布，工资上限的提高将分阶段逐年实施，以便雇主和雇员有时间适应这些变化。

以下是月工资上限将调整的四个关键日期。

  • 2023年9月1日：6300新元（+300）
  • 2024年1月1日：6800新元（+500）
  • 2025年1月1日：7400新元（+600）
  • 2026年1月1日：8000新元（+600）

CPF月工资上限提高是一项政策调整

CPF工资上限确实定期进行审查，以跟上工资增长的步伐，上一轮审查发生在2016年，当时月工资上限从5000新元提高到6000新元。

尽管财政部长黄循财将这个月工资上限吹捧为“帮助中等收入的新加坡人为退休储蓄更多的一种方式”，但年工资上限（102,000新元)没有提高的事实却表明了另一种情况。

这是因为这一举措确保了两个年薪相似的工人，无论他们是否有更高的月薪基数，或者是否有更高的年度奖金，都将做出类似的总CPF缴款。

好了，今天就和大家分享到这里，如果您对CPF投资有兴趣，欢迎随时联系我： Wechat: NU24102. WA： 006596879885

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek unbiased financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

Published By:

Li Wenjun Olivia 李文君

您好，我是 Olivia 李文君。2008 年以全额奖学金来到新加坡，并在本地最大公立医院 ICU 工作了 7 年。长期在高压与高度负责的环境中，练就了我的决策力，同时我深刻理解了风险、稳定与财务安全的重要性。也正因如此，我选择进入理财行业，希望能把“在问题发生后抢救”，变成“提前帮家庭避开问题”。医学背景带给我的，是对新加坡医疗体系的深度理解，对不同客户适合的医疗机构，专家以及治疗的专业严谨判断力，也是一种对每一个家庭都必须认真负责的态度。

进入理财行业后，我专注于 风险管理、保障架构、跨境家庭资产配置，并把医学时期的逻辑思维延伸到财富规划中。作为 金融顾问（FA），我不受任何单一公司限制，可从 150+ 金融机构 的方案中做深度比较，为客户搭建透明、可执行、长期可坚持的规划结构。我服务的客户多为在新加坡发展的专业人士、新移民家庭，以及需要更高精准度规划的企业主与高净值人士。他们的共同点是：不喜欢被推销，而需要一个站在他们立场、判断清晰、长期可靠的顾问。

我也在视频号、小红书、Instagram、YouTube（账号：奥莉私房话）长期分享新加坡的保障体系、财富规划逻辑与实用案例，希望让更多家庭在重要决策上少走弯路、拥有更高的确定性。如果您正在寻找一位专业稳健、真诚可靠、可以长期合作的顾问，我很愿意从一次轻松的交流开始，帮助您和家人建立一个更安心、更有方向的未来。

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根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

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