EPF Retirement Calculator

Project your KWSP savings at retirement based on salary, contributions & dividends

Your Details
Check your balance on i-Akaun (KWSP)
10-year average conventional: ~5.5%
Retirement Projection
Total EPF at Retirement
RM 0
At age 60 · In 35 years
-
Total Contributions
-
Total Dividends
-
Years to Retirement
-
Final Monthly Salary
RM 0
Estimated Monthly Retirement Income
Based on 20-year drawdown after retirement
Growth Over Time
Contributions
Dividends

Understanding EPF (KWSP) in Malaysia

The Employees Provident Fund (EPF), or Kumpulan Wang Simpanan Pekerja (KWSP), is Malaysia's mandatory retirement savings scheme. Both employees and employers contribute a percentage of the employee's monthly salary.

Contribution Rates (2025-2026)

Employees contribute 11% of their monthly salary (can opt for 7% or 9%). Employers contribute 12% for salaries RM5,000 and below, and 13% for salaries above RM5,000.

EPF Dividends

EPF declares annual dividends on members' savings. The conventional dividend rate has averaged approximately 5.5% over the past decade. Simpanan Shariah averages around 5.0%.

Withdrawal at Retirement

Members can make full withdrawals at age 55. Partial withdrawals from Account 2 are available for housing, education, and medical purposes before retirement age.

Basic Savings Benchmark

EPF recommends a basic savings of RM240,000 at age 55 to sustain a basic retirement. However, financial advisors suggest having at least RM600,000 - RM1,000,000 for a comfortable retirement in Malaysia.