SPK 2023OPERATIONALV2.0.4-ARES

SPK Calculator

Official 2023 SPK (Skim Persaraan Kebangsaan) contribution calculator for Brunei Darussalam.

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Live Calculation Parameters
Current Inputs & Results
scheme
SPK 2023
status
Operational
version
v2.0.4-ares
protocol
Annuity Split 60/40
last synced
2026-04-13
legislation
SPK Order 2023
jurisdiction
Brunei Darussalam
Source: SPK Order 2023 // TAP Brunei
Reference: Contribution Tiers
Floor
$500 & below
$57.50 fixed
Tier 1
$501 – $1,500
10.5% (min $57.50)
Tier 2
$1,501 – $2,800
9.5%
Tier 3
$2,801+
8.5%

Employee contribution is fixed at 8.5% across all tiers.

How to use this calculator

SPK needs salary and projection inputs, then calculates the contribution split and retirement estimate.

01

Enter the salary, age, and projection settings you want to model.

02

Review the monthly breakdown and retirement account projection.

03

Use the CSV or print/PDF options if you need to keep or share the result.

Input
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The FAQ below explains the official SPK rules and account split in more detail.
Compliance

Reference only. Verify final amounts via the official TAP e-Amanah Portal before submitting payroll.

Retirement Annuity

Retirement annuity starts at age 60. Member Account funds remain accessible for housing and medical needs.

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How SPK Works

  • 01 // Unified retirement scheme replacing old TAP/SCP systems for better sustainability.
  • 02 // Contributions calculated on Full Basic Salary with no upper cap.
  • 03 // Smart partitioning into Member (accessible) and Retirement (locked) accounts.
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