EPF calculator
Put in your age, pay and EPF balance to see what you could have at 55 and at 60, in the ringgit of the day and in today's money, and whether you are on track against KWSP's own savings levels for your age.
Basic wage before deductions.
Your total across all accounts, from your KWSP statement or i-Akaun.
Our default is 5%, lower than any year since 2016. KWSP paid 5.2% to 6.9% (average 5.88%). Past dividends do not guarantee future ones.
RM1,190,313
About RM567,473 in today's money, after 2.5% a year of inflation.
- At 55
- RM826,683
- At 55, in today's money
- RM445,905
- At 60, in today's money
- RM567,473
- Contributions to 60
- RM529,501
- Dividends to 60
- RM630,812
This is arithmetic on the assumptions on the left, not a forecast and not advice.
What goes into your EPF each month
For a Malaysian citizen under 60, you put in 11% of your wage. Your employer puts in 13% if you earn RM5,000 a month or less, and 12% if you earn more than that. From age 60 you put in nothing and your employer puts in 4%.
- You (11%)
- RM440.00
- Your employer (13%)
- RM520.00
- Total into your EPF each month
- RM960.00
Your wage is at or below RM5,000, so your employer pays the higher 13%. KWSP works the exact payslip amount from a banded table, so it can differ from these percentages by a few ringgit.
How your balance builds up
| Age | Balance | In today's money |
|---|---|---|
| 30 | RM30k | RM30k |
| 31 | RM43k | RM42k |
| 32 | RM57k | RM54.3k |
| 33 | RM72.1k | RM67k |
| 34 | RM88.3k | RM80k |
| 35 | RM106k | RM93.4k |
| 36 | RM124k | RM107k |
| 37 | RM144k | RM121k |
| 38 | RM166k | RM136k |
| 39 | RM188k | RM150k |
| 40 | RM212k | RM165k |
| 41 | RM237k | RM181k |
| 42 | RM264k | RM197k |
| 43 | RM293k | RM213k |
| 44 | RM324k | RM229k |
| 45 | RM357k | RM247k |
| 46 | RM392k | RM264k |
| 47 | RM429k | RM282k |
| 48 | RM469k | RM301k |
| 49 | RM511k | RM320k |
| 50 | RM556k | RM340k |
| 51 | RM604k | RM360k |
| 52 | RM655k | RM380k |
| 53 | RM709k | RM402k |
| 54 | RM766k | RM423k |
| 55 | RM827k | RM446k |
| 56 | RM891k | RM469k |
| 57 | RM959k | RM493k |
| 58 | RM1.03m | RM517k |
| 59 | RM1.11m | RM542k |
| 60 | RM1.19m | RM567k |
Where you stand against KWSP's savings levels
KWSP sets a Basic Savings level for each age. For 2026, the level for age 30 is RM26,300.
- Basic Savings for age 30 (2026)
- RM26,300
- Your balance today
- RM30,000
- You are ahead by
- RM3,700
At 60, in today's money, your projected balance is RM567,473. That reaches KWSP's Basic level (RM390,000), which KWSP describes as enough for basic necessities. The next level, Adequate, is RM650,000, RM82,527 further on.
KWSP measures these levels against your Akaun Persaraan, not your whole EPF. The calculator counts your whole balance, so it flatters your position. The Basic level of RM390,000 is the fully phased figure, reached in 2030; the 2026 figure for age 60 is RM270,000.
How the projection works
Each year, your balance earns the dividend you chose on what you hold at the start of the year. Then that year's contributions are added, worked from your salary at the rates above. Your salary then rises by the yearly increase you chose, and the next year starts. That is slightly cautious, because contributions paid during the year would earn a part-year dividend in real life.
Contribution rates are recalculated every year, so if your pay climbs above RM5,000the employer share drops from 13% to 12%, and the senior rates start at 60. To get “today's money”, the future balance is divided by 1.025 for every year until then (2.5% a year of inflation).
Your three accounts
Since the 2024 restructure, your EPF is split across three accounts: Akaun Persaraan (retirement), Akaun Sejahtera (well-being) and Akaun Fleksibel (flexible). KWSP's Basic, Adequate and Enhanced levels are measured on Akaun Persaraan, which is why a whole-balance projection can overstate where you stand. Check your account split on KWSP's own channels.
What EPF has paid, year by year
Simpanan Konvensional has paid between 5.2% and 6.9% since 2016. Simpanan Shariah, which started in 2017, has paid between 4.75% and 6.4%. These are history, not a promise. The 2.50% statutory minimum covers Simpanan Konvensional only.
| Year | Konvensional | Shariah |
|---|---|---|
| 2025 | 6.15% | 6.15% |
| 2024 | 6.30% | 6.30% |
| 2023 | 5.50% | 5.40% |
| 2022 | 5.35% | 4.75% |
| 2021 | 6.10% | 5.65% |
| 2020 | 5.20% | 4.90% |
| 2019 | 5.45% | 5.00% |
| 2018 | 6.15% | 5.90% |
| 2017 | 6.90% | 6.40% |
| 2016 | 5.70% | none yet |
Questions people ask
+How much goes into my EPF each month?
For a Malaysian citizen under 60, you pay 11% of your wage. Your employer pays 13% if you earn RM5,000 a month or less, and 12% if you earn more. From age 60 you pay nothing and your employer pays 4%. The exact payslip figure comes from a banded table, so it can differ from the percentage by a few ringgit.
+What dividend should I assume?
We start at 5%, which is lower than every conventional dividend since 2016. KWSP's conventional savings paid between 5.2% and 6.9% over 2016 to 2025, an average of 5.88%. Past dividends do not guarantee future ones, so try a lower figure too.
+Why show the balance in today's money?
RM500,000 in 30 years buys less than RM500,000 does now. We shrink the future figure by 2.5% a year of inflation so you can compare it with prices you know. The same rate is used every time, so the same inputs always give the same answer.
+What are the Basic, Adequate and Enhanced levels?
They are KWSP's three savings targets at age 60, each sized to fund 20 years of withdrawals to age 80: Basic RM390,000, Adequate RM650,000 and Enhanced RM1,300,000. The Basic level is being raised RM30,000 a year and reaches RM390,000 in 2030.
+Is my whole EPF compared with those levels?
No. KWSP measures them against your Akaun Persaraan only, and your balance is split across three accounts. This calculator uses your whole balance, so it makes your position look better than KWSP's own check would. Use it as a guide, then look at your Akaun Persaraan balance on KWSP's own channels.
+What does this calculator leave out?
Withdrawals before 60, voluntary top-ups, changes of job, and any change to the contribution rates. It also uses Malaysian citizen rates, which differ for permanent residents and foreigners. It is arithmetic on the numbers you enter, not a forecast.
Where the figures come from
- Employees Provident Fund Act 1991 (Act 452), Third Schedule · contribution rates, Attorney-General's Chambers text as at 1 July 2022
- EPF dividend series, data.gov.my · EPF's own figures, 2016 to 2025
- KWSP retirement income adequacy framework · Basic, Adequate and Enhanced levels from 1 January 2026
- KWSP i-Invest page, Basic Savings by age · the 2026 table, read September 2026. KWSP raises it every year, so check its site for the current one
Related
This is general information, not financial or tax advice. The answer is an estimate worked out from the rules and sources listed on this page; your bank, EPF or LHDN has the final figure.