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Malaysia EPF Savings Calculator

Project how much your EPF (KWSP) savings could grow to by retirement, based on your salary and contributions.

RM
RM
%
Projected EPF savings after 20 years
RM 661,799.51
Starting EPF balanceRM 50,000.00
Monthly contribution (you + employer)RM 1,200.00
Total contributionsRM 288,000.00
Dividends earned (estimate)RM 323,799.51
Projected balanceRM 661,799.51

Assumes a constant salary and dividend rate. EPF dividends are declared yearly and vary - recent rates have been around 5-6%.

How EPF savings grow

The Employees Provident Fund (EPF/KWSP) is Malaysia main retirement savings scheme. Each month, 11% of your wages goes in from your salary, and your employer adds another 12-13% - so close to a quarter of your wage is saved automatically.

EPF declares a dividend every year on your balance. Recent dividends have been around 5-6%, comfortably above fixed deposit rates and inflation. Because the dividend compounds, the balance grows faster the longer it is left.

Why time matters

Compounding means EPF money saved in your 20s does far more work than money saved later. This calculator shows the gap that consistent contributions and steady dividends build over 10, 20 or 30 years.

Frequently asked questions

What is the EPF contribution rate?
Employees contribute 11% of wages. Employers contribute 13% for monthly wages up to RM5,000 and 12% above that.
What dividend does EPF pay?
EPF declares a dividend yearly. It varies, but recent conventional savings dividends have been roughly 5-6%.
Can I withdraw EPF before retirement?
Partial withdrawals are allowed for specific purposes such as buying a home, education or health. Full withdrawal is generally from age 55.
Is the EPF dividend guaranteed?
EPF guarantees a minimum 2.5% dividend on conventional savings by law, though actual dividends have historically been much higher.

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Figures are estimates for general guidance only, not financial advice. Rates verified 2026. Always confirm with the relevant authority before making a decision.