EPF (KWSP) Calculator — Malaysia
Project your Employees Provident Fund (EPF/KWSP) retirement savings with monthly contributions and dividends.
How EPF works
EPF is Malaysia's mandatory retirement savings scheme. Employees contribute 11% of salary; employers contribute 13% (salary ≤ RM5,000) or 12% (salary > RM5,000). Dividends are declared annually (recent: 6.15% for 2025). Since May 2024, 10% of contributions flow to the flexible Akaun Fleksibel (Account 3). Retirement withdrawal age is 55 (full) / 60.
Projected balance at retirement: RM 0.00
Total employee contributions: RM 0.00
Total employer contributions: RM 0.00
Total dividends earned: RM 0.00
Disclaimer: For educational purposes only. EPF rates, dividends, and rules change over time. Not financial advice.