MPF Calculator
Project your MPF balance using each fund's published MPFA return and fee (data as of 30 Sep 2026).
1. Your contributions
Monthly in: employee HK$1,250 + employer HK$1,250 mandatory (5% each, capped at HK$1,500; employees under HK$7,100 pay none) + HK$0 voluntary = HK$2,500.
2. Funds to compare (up to 3)
| Fund | FER | 5-year return p.a. | Balance in 25 yrs | Estimated fees paid | |
|---|---|---|---|---|---|
| BOC-Prudential MPF RMB & HKD Money Market Fund BOC-Prudential Easy-Choice Mandatory Provident Fund Scheme | 0.54% | 1.96% | HK$1,271,925 | HK$102,697 | |
| Guaranteed Fund MASS Mandatory Provident Fund Scheme | 2.88% | -1.39% | HK$807,032 | HK$382,423 |
3. Projected balance over time
How it works: MPFA returns are already after fees, so each fund grows at its published return (data as of 30 Sep 2026). “Estimated fees paid” is how much more the same fund would have grown with its FER added back. Past performance does not predict future returns; funds without a published figure are shown as “Not published” rather than estimated. For education only, not financial advice.