EPF Calculator (KWSP)
Project your EPF / KWSP retirement savings. Enter your current balance, salary, contribution rates and expected annual dividend to see your balance grow year by year.
Your details
Your projection
Year-by-year breakdown
| Year | Total contributions | Dividends | Balance |
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How this EPF calculator works
Every month, a share of your salary from both you and your employer is added to your EPF (KWSP) account. That balance earns an annual dividend, which is added back and compounds over time. This tool runs that month-by-month calculation from today until your retirement year and shows the final balance, total contributions and total dividends.
Tips to grow your EPF faster
- Make voluntary top-ups — even a small extra monthly amount compounds significantly over decades.
- Delay withdrawals where possible so more of your balance keeps earning dividends.
- Review your contribution rate; a slightly higher employee rate can boost long-term savings.
Frequently asked questions
How is EPF calculated in Malaysia?
Each month you and your employer contribute a percentage of your salary. The balance earns an annual dividend that compounds. This calculator projects the total up to your chosen retirement year.
What contribution rates should I use?
Common defaults are around 11% employee and 12–13% employer, but you can change both to match your situation.
Are the results guaranteed?
No. EPF dividends change every year, so the projection is an estimate based on a constant assumed return.
This EPF projection is an estimate for general guidance only and is not financial advice.
How to set up a projection
Enter your current EPF balance, current age, retirement year, monthly salary, employee and employer percentages, assumed annual return and any extra monthly contribution. The duration is the retirement year minus the current calendar year, in whole years. Compare different assumptions one at a time.
A contribution-only example
For an illustrative RM3,000 monthly salary, 11% employee contribution is RM330 and 13% employer contribution is RM390. With a zero opening balance and 0% assumed return, one year adds RM8,640. Adding RM100 each month raises that to RM9,840. Set the retirement year to next year to reproduce this example. These percentages are example inputs, not a determination of your statutory rate.
What this model leaves out
Each simulated month uses B(next) = (B + salary × (employee rate + employer rate) + extra) × (1 + annual return / 12). Salary and rates remain constant. This simplified monthly model is not KWSP’s actual dividend accounting or the statutory contribution schedule. Actual contributions depend on the applicable rules; verify your category and amounts using KWSP and your statement.
KWSP: mandatory contribution rulesKWSP reference checked on 7 October 2026.
Calculation methods and limitationsExample calculations checked against this page’s code on 7 October 2026.
Questions worth working through
Use the result with confidence
Separate contribution from dividend assumptions
Your current balance, salary, employee/employer percentages and extra monthly deposits are separate inputs. Here the monthly contribution is salary × (employee rate + employer rate) + extra deposit. The tool does not determine the statutory contribution band applicable to your age, nationality or wage.
Check the first month by hand
Suppose the opening balance is 1,000, salary is 1,000, employee and employer assumptions are 11% and 13%, and annual return is 6%. The monthly contribution is 240. This model adds it first, then applies 6% ÷ 12, giving (1,000 + 240) × 1.005 = 1,246.20.
Do not read the curve as a KWSP statement
The same assumed return repeats every month and year. Actual annual declarations and dividend accounting can differ, and past EPF rates are not a promise. Compare conservative and higher scenarios; for the official account balance, contribution amount and credited dividend, use KWSP records.