← 🇲🇾 Malaysian Finance Calculators
Project your Employees Provident Fund balance at retirement. Uses 2025 contribution rates.
The Employees Provident Fund (EPF), known in Malay as Kumpulan Wang Simpanan Pekerja (KWSP), is Malaysia's mandatory retirement savings scheme. It covers all private-sector employees and some public-sector workers. Both you and your employer contribute a percentage of your monthly salary into your EPF account every month.
EPF investments are managed by professional fund managers and historically declare dividends of 5–6% per year — well above Malaysia's fixed deposit rates. The 2024 dividend was 6.30% for conventional savings. Over a 30-year career, even modest monthly contributions compound into a substantial nest egg.
Since 2024, EPF uses a three-account structure: Account 1 (Akaun Persaraan, 75%) is locked until retirement; Account 2 (Akaun Sejahtera, 15%) can be used for housing, education, and health; Account 3 (Akaun Fleksibel, 10%) is freely withdrawable anytime. This calculator projects the total across all accounts.
Voluntary top-up contributions are allowed up to RM60,000 per year and are tax-deductible (as part of the RM7,000 EPF/life insurance relief). If your employer offers a Voluntary Contribution (VC) scheme, consider maximising it — it's one of the most tax-efficient savings vehicles available to Malaysians.