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How will participating in Contribute-As-You-Earn (CAYE) affect my MediSave contributions payable?

Self-employed persons (SEPs) are required to contribute to their MediSave Account (MA) if their annual Net Trade Income (NTI) is more than $6,000. Contribute-As-You-Earn (CAYE) does not change the amount of MediSave contributions you have to make based on your NTI. The only change concerns how the contributions are made. Under CAYE, the agency/company you provided a service to will help you contribute into your MA each time it makes a service payment to you. 

Your CAYE contributions are based on your estimated annual revenue and expenses. Thus, CAYE contributions are an estimate of your MediSave payable. After you declare your NTI for the year, your MediSave payable will be computed.

If your total Contribute-As-You-Earn (CAYE) contributions are higher than your MediSave payable for the latest year, your excess CAYE contributions will be used to offset your outstanding MediSave payable from previous years1. Any remaining CAYE contributions will then be refunded to you.

If your total CAYE contributions are lower than your MediSave payable, you’ll be required to top up the remaining amount. You’ll be notified accordingly, and you can choose to make payment via lump-sum payment(s) or sign up for GIRO instalments.

1This will take effect for CAYE contributions made from 2023. Please write to us if you do not wish to use your CAYE contributions to offset your outstanding MediSave payable from previous years.