Skip to content
CalcularYa
CalcularYa
Ingresar

Data from official sources · Made in Argentina

SPK self-employed calculator 2026: Match-Up

If you work for yourself in Brunei Darussalam you can save for retirement in the Skim Persaraan Kebangsaan (SPK), the scheme run by the Employees Trust Fund (TAP). Verified self-employed members get a fixed Government Match-Up of BND 17.50 when they pay in at least BND 17.50 in a month.

Enter what you pay in and your status with TAP. The calculator shows how much reaches the SPK Retirement Account, which pays a lifetime annuity, and how much stays in the Member Account, where you can withdraw under the scheme rules.

Your self-employed status with TAP

How it's calculated

  1. Verified members: contributions from BND 17.50 to BND 40 go to the Retirement Account, and the Government adds BND 17.50. Anything above BND 40 goes to the Member Account as voluntary savings.
  2. Contributions below BND 17.50 get no Match-Up and are credited to the Member Account.
  3. Unverified members get no Match-Up. Any amount is a voluntary contribution to the Member Account, up to BND 1,000 a month.

An example

A verified member who pays BND 50 sees BND 40.00 go to the Retirement Account, a Match-Up of BND 17.50 on top, and BND 10.00 land in the Member Account. At BND 40 a month the Retirement Account grows by BND 57.50 a month, BND 690.00 a year.

Frequently asked questions

Who can register as self-employed?

Citizens and permanent residents of Brunei Darussalam under 60 who meet TAP's conditions and provide documents that verify their self-employment. TAP publishes the registration steps and the documents it needs.

Can I withdraw my money early?

Money in the Member Account can be withdrawn for pre-retirement purposes, subject to eligibility. The Retirement Account pays an annuity.

Is there a minimum for unverified members?

No. TAP states there is no minimum voluntary contribution for the Member Account, and the maximum is BND 1,000 a month.

Key terms

Government Match-Up
A fixed amount the Government adds to a verified self-employed member's contribution.
Retirement Account
The SPK pooled account that pays a lifetime monthly annuity.
Member Account
The SPK account that holds your voluntary money and can be withdrawn under the rules.

Up-to-date official data

Data checked against the official source on .

We check the official sources automatically, every day.

See all sources
Embed on your site