To improve platform workers’ housing and retirement adequacy, CPF contribution rates for platform workers and platform operators will gradually align with that of employees and employers respectively.
From 1 January 2025, platform operators are required to deduct CPF contributions from platform workers' earnings as and when they earn and submit it to CPF Board every month. This will help platform workers make timely CPF contributions without needing to submit the CPF contributions themselves.
For platform workers who are mandated or opt in to increased CPF contributions, Ordinary, Special and MediSave contributions will be deducted.
For platform workers who do not opt in to increased CPF contributions, only MediSave contributions will be deducted.
To improve platform workers' housing and retirement adequacy, the CPF contribution rates for platform workers will gradually be aligned with that of employees. These CPF contributions will go to the platform workers' Ordinary, Special and MediSave Accounts.
Platform workers will see an increase in total earnings after factoring in additional CPF contributions from platform operators.
Platform operators will deduct the platform workers' share of CPF contributions as and when they earn and submit it to CPF Board monthly, together with the platform operators' share of CPF contributions.
Platform workers can choose to opt in to increased CPF contributions and receive CPF contributions from platform operators to match the CPF contribution rates for employees and employers. These CPF contributions will go to the platform workers' Ordinary, Special and MediSave Accounts.
If platform workers opt in to increased CPF contributions, they will have the same benefits and be eligible for the same support as platform workers born on 1 January 1995 or later.
If platform workers do not opt in to increased CPF contributions, they will continue to contribute to the MediSave Account only and will not receive CPF contributions from the platform operator. Only MediSave contributions will be deducted by the platform operator and submitted to CPF Board monthly.
The Platform Workers CPF Transition Support (PCTS) scheme was announced in 2023 to mitigate platform workers' concerns about take-home pay with the increase in CPF contributions. PCTS will be provided from 2025 to 2028 as the CPF contribution rates for platform workers will be gradually increased to align with employee rates.
Who is eligible
To qualify for PCTS, a platform worker must meet all the following eligibility conditions at the point of assessment:
- Is a Singapore citizen
- Born in 1995 or later, or born before 1995 and opted in to increase his CPF contributions
- Net income from platform work (after deducting Fixed Expense Deduction Amount), plus income from other employment sources, does not exceed $3,000 for the month
- Has an increase in his share of CPF contributions to the Ordinary and Special Accounts (OSA) as compared to the previous year
Extent of support provided by PCTS
From 2025 to 2028, PCTS will provide monthly cash support to lower-income platform workers to offset part of the year-on-year increase in the platform worker's share of CPF contributions.
| 2025 |
2026 |
2027 |
2028 |
| 100% offset of OSA increase from previous year |
75% offset of OSA increase from previous year |
50% offset of OSA increase from previous year |
25% offset of OSA increase from previous year |
Workfare Income Supplement scheme
From 2025, eligible lower-income platform workers will receive Workfare Income Supplement (WIS) payments monthly instead of annually.
From 2029, eligible platform workers who are mandated or opt in to the increased CPF contribution rates will receive higher WIS payments at the same level as employees, once their CPF contribution rates fully align with that of employees. They will also receive 40% of WIS payments in cash, compared to 10% currently.
Find out more
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