Agent skill

Singapore Cpf Explainer

by mohitagw15856 in mohitagw15856/pm-claude-skills

A skill your agent uses when asked how CPF works, how much CPF my employer should pay, what happens to my CPF at 55, can I use CPF for my HDB flat, should I top up my CPF, or 公积金怎么算 in Singapore.

MITAuto-check passed

Install Singapore Cpf Explainer

skills CLI
$ npx skills add mohitagw15856/pm-claude-skills --skill singapore-cpf-explainer -a claude-code

Project install by default; add -g for ~/.claude/skills/.

GitHub CLI
$ gh skill install mohitagw15856/pm-claude-skills singapore-cpf-explainer --agent claude-code

Project scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).

Manual copy
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .claude/skills && cp -r skills-src/skills/singapore-cpf-explainer .claude/skills/singapore-cpf-explainer && rm -rf skills-src

Use ~/.claude/skills/ instead of .claude/skills for a personal install. The folder must contain SKILL.md.

Claude Code skills documentation · loads skills from .claude/skills/

Facts

Skill name
singapore-cpf-explainer
GitHub stars
1.4k
Token cost
~1k tokens
SKILL.md length
557 words
Files
1
Skills in repo
1,348
Repo updated
First seen
Licence
MIT

At a glance

A skill your agent uses when asked how CPF works, how much CPF my employer should pay, what happens to my CPF at 55, can I use CPF for my HDB flat, should I top up my CPF, or 公积金怎么算 in Singapore.

  • Works in 6 steps: How your contributions work → Contribution check → Housing: what using CPF really costs → …
  • Asked how CPF works
  • SKILL.md covers Required Inputs, Output Structure, Quality Checks and Anti-Patterns, plus 1 more section
  • Instructions only: no scripts, shell commands, URLs or credentials in SKILL.md

What it does

Singapore Cpf Explainer is an agent skill from mohitagw15856/pm-claude-skills. Use when asked how CPF works, how much CPF my employer should pay, what happens to my CPF at 55, can I use CPF for my HDB flat, should I top up my CPF, or 公积金怎么算 in Singapore. Produces how the person's CPF contributions are split across the accounts, a contribution check against payslips, what changes at 55 and 65, the housing, top-up and withdrawal options with their trade-offs, and the figures to confirm with the CPF Board.

Its SKILL.md is about 1k tokens, which your agent loads only when the skill is triggered. It is a single SKILL.md file with no bundled scripts.

The repository describes itself as: 1255 professional Agent Skills for Claude, ChatGPT, Gemini, Cursor & Codex — PRDs, postmortems, leases, medical bills, layoffs, go-bags, new countries. Plain markdown, MIT, in… The licence is MIT.

When your agent uses it

  • Asked how CPF works
  • How much CPF my employer should pay
  • What happens to my CPF at 55
  • Can I use CPF for my HDB flat

Example prompts

  • “/singapore-cpf-explainer”

Workflow steps

6 steps, taken from the step headings in SKILL.md.

  1. How your contributions work
  2. Contribution check
  3. Housing: what using CPF really costs
  4. At 55 and at 65
  5. Topping up
  6. What to do next

What it can do on your machine

Read from SKILL.md and the folder at commit 1cbf1f0. It shows what the files ask for, not the result of running them.

  • Tool permissions

    Pre-approves nothing: there is no allowed-tools line, so your agent's usual permission prompts apply.

    From allowed-tools in the SKILL.md frontmatter.

  • Runs code

    No scripts in the folder and no shell commands in SKILL.md.

    From the folder's file list and the shell code blocks in SKILL.md.

  • Network

    No URLs in SKILL.md.

    From URLs in SKILL.md, links to its own repository left out.

  • Credentials

    Names no API keys, tokens, secrets or passwords.

    From names ending in _API_KEY, _TOKEN, _SECRET, _KEY or _PASSWORD in SKILL.md.

Context cost

Singapore Cpf Explainer loads about 1k tokens when it runs. Until then it costs about 113 tokens; SKILL.md has 557 words of instructions outside code blocks.

Always · name and description, kept in context so the agent knows when to use it
~113
When it runs · the whole SKILL.md, loaded when a task matches
~1k

Estimates: characters ÷ 4, the usual rule of thumb; real counts depend on the model's tokenizer. Scripts and assets cost tokens only if the agent reads them.

Safety

Auto-check passed

The automated check found no risky patterns in SKILL.md.

Automated static check — not a guarantee. Review scripts before installing. It scans the text of SKILL.md for risky patterns (piping downloads into a shell, reading credential files, hidden Unicode, destructive commands); files beside SKILL.md are not scanned.

SKILL.md

The full file from mohitagw15856/pm-claude-skills at commit 1cbf1f0, republished under its MIT licence (© mohitagw15856). 557 words, ~1,038 tokens.

Download SKILL.mdSave it as .claude/skills/singapore-cpf-explainer/SKILL.md (or your agent's skills folder).
name
singapore-cpf-explainer
description
Use when asked how CPF works, how much CPF my employer should pay, what happens to my CPF at 55, can I use CPF for my HDB flat, should I top up my CPF, or 公积金怎么算 in Singapore. Produces how the person's CPF contributions are split across the accounts, a contribution check against payslips, what changes at 55 and 65, the housing, top-up and withdrawal options with their trade-offs, and the figures to confirm with the CPF Board.
version
1.0.0

Singapore CPF Explainer

The Central Provident Fund is most Singaporeans' and permanent residents' biggest asset after their home, and it touches housing, healthcare and retirement at once. People lose out by never checking their employer's contributions, by using CPF for housing without seeing the retirement cost, and by missing top-ups that earn tax relief and higher interest. This skill explains the person's CPF plainly, checks the numbers they give, and lays out their options.

Write in English unless the person asks for Chinese (新加坡华文, Simplified script) or Malay. Contribution rates, wage ceilings, retirement sums and interest rates change; mark every figure to confirm on cpf.gov.sg. This is information, not financial advice.

Required Inputs

Ask for these if not provided:

  • Status: Singapore citizen or permanent resident (and which year of PR), employee or self-employed
  • Age and monthly wages (ordinary wages, plus any bonus)
  • Account balances in the Ordinary, Special (or Retirement) and MediSave Accounts, if known
  • Housing: HDB or private, loan from HDB or a bank, how much CPF already used
  • Question: checking contributions, housing, retirement at 55 or 65, topping up, or withdrawing

Output Structure

1. How your contributions work

Employer and employee contribution rates for the person's age band and status, the ordinary wage ceiling and the annual salary ceiling (confirm current figures), and how each month's contribution is allocated across the Ordinary, Special or Retirement, and MediSave Accounts.

2. Contribution check

| Month | Wages | Employer should pay | Employee should pay | On CPF statement | Match? | If anything does not match: ask HR first, then report late or missing contributions to the CPF Board.

3. Housing: what using CPF really costs

How much the person can use for the flat, the accrued interest that must be refunded to the account on sale, and the retirement income given up by using Ordinary Account savings now.

4. At 55 and at 65

The Retirement Account formed at 55, the retirement sums (basic, full, enhanced; confirm current amounts), what can be withdrawn at 55, and CPF LIFE payouts from the payout eligibility age, with the plan options.

Show full SKILL.md (214 more words)Show less
5. Topping up

Cash top-ups and transfers into the Special, Retirement or MediSave Account, the tax relief cap (confirm), the higher interest, and the catch: money topped up is locked for retirement.

6. What to do next

Three concrete actions in order, each with where to do it (the CPF website or app with Singpass).

Quality Checks

  • Every rate, ceiling, sum and age is marked to confirm with the CPF Board
  • The contribution check uses the person's own wages, month by month where given
  • Housing use states the accrued-interest refund and the retirement trade-off
  • Top-up advice states that the money is locked for retirement
  • No investment product is recommended
  • The output says it is information, not financial advice

Anti-Patterns

  • Treating CPF as an employer perk. It is part of the person's pay; missing contributions are worth chasing.
  • Using the maximum CPF for housing by default. It can leave retirement short.
  • Topping up money that may be needed soon. Top-ups cannot come back out early.
  • Quoting last year's rates as fact. Rates and ceilings are revised regularly.

Example Trigger Phrases

  • "My employer's CPF contribution looks low. Can you check it against my payslip?"
  • "I'm turning 55 next year. What happens to my CPF?"
  • "Should I use CPF or cash for my HDB down payment?"
  • "新加坡公积金怎么算?我每个月应该存多少?"

© mohitagw15856, MIT. Rendered from Markdown: HTML in the file is shown as text, images as links, and headings moved down two levels. Raw file

Files

Just SKILL.md in skills/singapore-cpf-explainer of mohitagw15856/pm-claude-skills.

Open the folder on GitHubat commit 1cbf1f0

Compare with similar skills

Singapore Cpf Explainer next to the 5 skills that share the most tags, products or categories with it. Stars are the repository's; “used in” counts other GitHub owners with a copy.

Singapore Cpf Explainer compared with similar skills
SkillStarsUsed inTokensAuto-checkLicenceRepo updated
Singapore Cpf Explainer this skillmohitagw15856/pm-claude-skills1.4k—~1kAutomated safety check: PassMIT
Logic Explainsickn33/agentic-awesome-skills47k1 repos~894Automated safety check: PassMIT
Faceless Explainer Videoheygen-com/hyperframes60k3 repos~7.7kAutomated safety check: NotesApache-2.0
PR Explainermastra-ai/mastra29k—~1.4kAutomated safety check: PassCustom licence
Understand ExplainEgonex-AI/Understand-Anything86k—~1.3kAutomated safety check: PassMIT
Explain Like Socratessickn33/agentic-awesome-skills47k2 repos~1.2kAutomated safety check: PassMIT

Similar skills

  • Logic Explain

    sickn33/agentic-awesome-skills

    Explain what a specific piece of code actually does for a given input by producing a step-by-step execution trace (interprocedural, with name resolution and type transitions).

    47k GitHub starsUsed in 1 repo~894 tokens
    Auto-check passed
  • Faceless Explainer Video

    heygen-com/hyperframes

    Turns an article, notes or a topic brief into an explainer video whose visuals are invented per scene, built frame by frame in HyperFrames with no footage.

    60k GitHub starsUsed in 3 repos~7.7k tokens
    Media & CreativeAuto-check: notes
  • PR Explainer

    mastra-ai/mastra

    A skill your agent uses when creating an approachable, self-contained HTML review aid for a pull request; explaining what changed, why it matters, how it works, and how it fits into the broader…

    29k GitHub stars~1.4k tokensUpdated today
    DevelopmentAuto-check passed
  • Understand Explain

    Egonex-AI/Understand-Anything

    Gives an in-depth explanation of one file, function or module by reading the project's knowledge graph and checking that the graph is still fresh.

    86k GitHub stars~1.3k tokensUpdated today
    DevelopmentAuto-check passed
  • Explain Like Socrates

    sickn33/agentic-awesome-skills

    Explains concepts using Socratic-style dialogue. An agent skill from sickn33/agentic-awesome-skills.

    47k GitHub starsUsed in 2 repos~1.2k tokens
    EducationAuto-check passed
  • Lightning Factory Explainer

    sickn33/agentic-awesome-skills

    Explain Bitcoin Lightning channel factories and the SuperScalar protocol — scalable Lightning onboarding using shared UTXOs, Decker-Wattenhofer trees, timeout-signature trees, MuSig2, and Taproot.

    47k GitHub starsUsed in 2 repos~656 tokens
    Auto-check passed

More from mohitagw15856/pm-claude-skills

All 1,348 skills in this repo
  • Car Tco

    mohitagw15856/pm-claude-skills

    Compare the total cost of car ownership across buy-new, buy-used, lease, and keep-your-current-car — depreciation, insurance, maintenance ramp, and fuel over a real horizon, not just the monthly…

    1.4k GitHub stars~1.1k tokensUpdated 2 days ago
    Auto-check passed
  • Cs Health Scorecard

    mohitagw15856/pm-claude-skills

    Build a customer health scorecard for a specific account. An agent skill from mohitagw15856/pm-claude-skills.

    1.4k GitHub stars~2.4k tokensUpdated 2 days ago
    Auto-check passed
  • Exit Waterfall

    mohitagw15856/pm-claude-skills

    Compute who gets what at each exit price from a cap table — liquidation preferences, conversion points, and where the founders' share collapses.

    1.4k GitHub stars~1.1k tokensUpdated 2 days ago
    Auto-check passed
  • Feature Prioritisation

    mohitagw15856/pm-claude-skills

    Apply prioritisation frameworks (RICE, MoSCoW, Kano, ICE, Opportunity Scoring) to rank features and backlog items.

    1.4k GitHub stars~2k tokensUpdated 2 days ago
    Auto-check passed
  • Fire Number

    mohitagw15856/pm-claude-skills

    Compute a financial-independence (FIRE) target and years-to-reach with every assumption labeled as an assumption — plus a sensitivity table instead of a single false-precision answer.

    1.4k GitHub stars~1.1k tokensUpdated 2 days ago
    Auto-check passed
  • Freelance Rate

    mohitagw15856/pm-claude-skills

    Derive a freelance day/hourly rate backwards from target income, honest billable utilization, overhead, and the self-employment tax premium — the arithmetic that proves a rate is not salary÷2000.

    1.4k GitHub stars~1.2k tokensUpdated 2 days ago
    Auto-check passed

Questions about Singapore Cpf Explainer

What does Singapore Cpf Explainer do?

A skill your agent uses when asked how CPF works, how much CPF my employer should pay, what happens to my CPF at 55, can I use CPF for my HDB flat, should I top up my CPF, or 公积金怎么算 in Singapore. Singapore Cpf Explainer is an agent skill from mohitagw15856/pm-claude-skills. Use when asked how CPF works, how much CPF my employer should pay, what happens to my CPF at 55, can I use CPF for my HDB flat, should I top up my CPF, or 公积金怎么算 in Singapore.

When should I use Singapore Cpf Explainer?

Singapore Cpf Explainer fits situations like: asked how CPF works; how much CPF my employer should pay; what happens to my CPF at 55; can I use CPF for my HDB flat.

How do I install Singapore Cpf Explainer in Claude Code?

Run `npx skills add mohitagw15856/pm-claude-skills --skill singapore-cpf-explainer -a claude-code`. Or copy the skill folder (skills/singapore-cpf-explainer in mohitagw15856/pm-claude-skills) into .claude/skills/singapore-cpf-explainer in your project. Claude Code loads it when a task matches its description.

How do I install Singapore Cpf Explainer in Codex?

Run `npx skills add mohitagw15856/pm-claude-skills --skill singapore-cpf-explainer -a codex`. Or copy the skill folder (skills/singapore-cpf-explainer in mohitagw15856/pm-claude-skills) into .agents/skills/singapore-cpf-explainer in your project. Codex loads it when a task matches its description.

Can I use Singapore Cpf Explainer in Cursor, Gemini CLI or GitHub Copilot?

Cursor, Gemini CLI, GitHub Copilot and OpenCode also load SKILL.md folders. With the skills CLI, run `npx skills add mohitagw15856/pm-claude-skills --skill singapore-cpf-explainer -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/singapore-cpf-explainer, .gemini/skills/singapore-cpf-explainer, .github/skills/singapore-cpf-explainer and .opencode/skills/singapore-cpf-explainer in your project.

What does Singapore Cpf Explainer need to run?

SKILL.md names no scripts, command-line tools or credentials: Singapore Cpf Explainer is instructions for the agent only.

Does Singapore Cpf Explainer access the network?

SKILL.md contains no URLs. Any network use would come from the scripts or tools the agent runs. This is read from the text; nothing was executed.

Is Singapore Cpf Explainer safe to install?

Our automated static check of SKILL.md found no risky patterns, such as piping downloads into a shell, reading credential files or hidden Unicode. It is not a guarantee. Review the folder before installing.

What licence does Singapore Cpf Explainer use?

Singapore Cpf Explainer is published under the MIT licence (the repository's licence). It allows redistribution, so the full SKILL.md is shown on this page.

How many tokens does Singapore Cpf Explainer use?

About 1k tokens (SKILL.md is roughly 4.2k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full.

What are the alternatives to Singapore Cpf Explainer?

Skills that share tags, products or a category with Singapore Cpf Explainer: Logic Explain (sickn33/agentic-awesome-skills, 47k stars), Faceless Explainer Video (heygen-com/hyperframes, 60k stars), PR Explainer (mastra-ai/mastra, 29k stars) and Understand Explain (Egonex-AI/Understand-Anything, 86k stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.

Who maintains Singapore Cpf Explainer?

mohitagw15856 (a GitHub user) maintains it in mohitagw15856/pm-claude-skills, which has 1,434 GitHub stars. The repository holds 1,348 skills in this directory. The repository was last updated on October 9, 2026.

Source: mohitagw15856/pm-claude-skills on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.