Assuming retirement at 60 and a life expectancy of 85, that's 25 years of retirement living expenses. Most Hong Kong workers significantly underestimate this number. Enter your details to calculate your retirement gap instantly.
The Mandatory Provident Fund (MPF) is the main retirement reserve for most Hong Kong workers, but the mandatory contribution cap (employer + employee combined, 10%) often can't keep up with actual retirement expenses in a high-inflation environment. Many people only sit down and seriously add up their MPF balance and savings for the first time at 55 or 60 — and discover a large gap between that number and the retirement they imagined. By then, time and the compounding effect on investment returns have already run out.
This MPF Retirement Calculator uses your current age, expected retirement age, monthly living expenses, existing MPF balance and other savings to estimate the funds you'll actually need at retirement, your projected MPF balance, and the gap between the two — so you can find out in 3 minutes whether your retirement fund is enough, instead of waiting until retirement to find out.
Drag the sliders below — the results on the right update in real time.
This calculator is for reference only and does not constitute investment advice. It does not store or upload any of your inputs. Actual retirement needs vary by individual — we recommend speaking with a licensed advisor for a personalised analysis.
This is a simplified model to help you quickly get a sense of direction. For a precise number tailored to your situation, we offer a free MPF portfolio review.
Based on Hong Kong's recent average inflation level, used to project how retirement expenses grow in real purchasing power over time.
Assumes a long-term annualised return for a medium-risk MPF fund portfolio — not guaranteed; actual returns vary by fund choice.
Assumes combined employer + employee monthly contributions of around $3,000 (based on a monthly salary of roughly $30,000), excluding extra TVC contributions.
Uses Hong Kong's average life expectancy as the basis for retirement duration, giving 25 years of expenses from a retirement age of 60.
See how your current MPF provider's fund performance compares against the rest of the market.
CSPF contributions are much higher than MPF, but fund choice and management strategy are completely different — know the difference.
A licensed advisor personally analyses your actual portfolio — not a one-off check, but ongoing investment advice.
The calculator uses simplified assumptions (3% inflation, 5% annual MPF return, $3,000 monthly contribution) to give you a directional estimate of your retirement gap — it isn't a precise financial plan. Actual figures depend on fund choice, contribution amounts, and market conditions. For a version tailored to your personal situation, WhatsApp us for a free MPF portfolio review.
3% reflects Hong Kong's recent average inflation level, and 5% is a long-term annualised return assumption for a medium-risk MPF fund portfolio — neither is guaranteed. They're meant to give you a reasonable baseline to estimate your gap; actual fund performance can vary significantly.
CSPF (Civil Service Provident Fund Scheme) employer contributions are much higher than MPF (15–25% vs. 5%). You can enter your CSPF balance in the MPF balance field for an estimate, but for precise planning, message us directly — CSPF and MPF have different fund options and management approaches that need a dedicated strategy.
Common remedies include reviewing and switching out underperforming MPF funds, using TVC (Tax Deductible Voluntary Contributions, up to HK$60,000 deductible per year), and adjusting your asset allocation. We offer a free MPF portfolio review to help you find a workable plan.
No. The calculator runs entirely in your browser and doesn't upload or store any of your inputs. Your personal data is only involved if you choose to WhatsApp us for a follow-up.