EPF / KWSP Calculator for Malaysia
Malaysia · MYR. Country-specific pension contributions or entitlements.
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Calculator Parameters
All amounts in MYR.
RM 10,000.00 Minimum RM 0.00; maximum RM 10,000,000.00.
RM 5,000.00 Minimum RM 0.00; maximum RM 20,000.00.
35 Minimum 18; maximum 59.
5% Minimum 0%; maximum 30%.
20 Minimum 1; maximum 50.
Your estimate
Projected balance
RM 520,366.81
Opening balance + credited contributions
RM 298,000.00
Modelled growth
RM 222,366.81
Monthly employee EPF contribution
RM 550.00
Monthly employer EPF contribution
RM 650.00
Based on the assumptions shown. This result is an illustration, not a quotation or guaranteed benefit.
Growth Projection
Method and scope
EPF/KWSP accumulation for Malaysian citizens under 60, using regular wages without bonuses. Uses Third Schedule Part A effective October 2025: no contribution for wages up to RM10, RM20 wage bands through RM5,000 with employee 11% and employer 13% rounded up to ringgit, then RM100 bands through RM20,000 with employee 11% and employer 12%. Wages above RM20,000 are deliberately outside the input range; bonus exceptions, foreigners and PR categories are excluded. The projection ends by age 60. Salary and contribution rules remain constant. Returns are an assumed monthly-compounding illustration, not the official annual EPF dividend calculation or a guaranteed dividend. Account allocation, withdrawals, tax relief and post-60 contributions are excluded.
Try the starting example
Current balance: RM 10,000; Regular monthly EPF wages (no bonus): RM 5,000; Age at start: 35; Assumed annual dividend return (not guaranteed): 5%; Years: 20.
Projected balance: RM 520,366.81.
Compare one assumption at a time
Only the assumed investment return changes; contribution inputs stay fixed. Check any eligibility or contribution-limit warning before using a result. A projected balance does not establish withdrawal income or tax relief. Where no editable return is supported, use the profile-specific interpretation below. These fictional scenarios use the starting inputs printed above, not your current entries in the interactive calculator.
| Assumed annual dividend return (not guaranteed) | Projected balance | Interpretation |
|---|---|---|
| 3% | RM 412,169.95 | One changed input |
| 5% | RM 520,366.81 | Starting example |
| 7% | RM 665,499.38 | One changed input |
Are you using chargeable income and regular EPF wages correctly?
The income-tax tool uses chargeable income after reliefs for its supported assessment year. EPF instead uses regular monthly wages within its supported age and wage range. Official contribution bands can produce a step change at a wage boundary, so multiplying salary by a percentage can disagree with the displayed contribution.
To reproduce the table, reset the calculator, change only the named input and compare the result and any warning. Record the assumptions with your result. See worked planning examples and our calculation and correction process.
Sources and review date
Rules and method reviewed 2026-11-02. Future changes are not automatically applied. Report a correction.