Malaysia EPF Savings Calculator
Estimate your EPF savings at retirement based on your current age, salary, EPF savings, and contribution rates, plus any voluntary i-Simpan top-ups. See how EPF contributions, dividends, and top-ups add up over time, with a year-by-year breakdown of your projected EPF balance.
For Malaysian citizens and permanent residents in private-sector employment.
Disclaimer: This calculator is offered for informational and reference purposes only. It is a projection, not financial advice and not a forecast of actual returns, and it is not a substitute for official figures from KWSP.
*The projection assumes the dividend rate you enter is earned every single year and that nothing is withdrawn. Every figure is in future ringgit and is not adjusted for inflation. Figures apply to Malaysian citizens and permanent residents in private-sector employment.
EPF savings
Your projected EPF balance depends on how much goes into your account and how your savings grow over time.
Contribution
Your monthly contributions form the foundation of your EPF savings. As your salary grows, your contributions may grow too.
Voluntary contributions
Contributing through i-Simpan can help you add more to your EPF savings and strengthen your retirement fund.
Historical returns
EPF dividend rates change year to year based on fund performance — EPF declared 6.15% for 2025.
EPF is your foundation. Build beyond it.
Your EPF savings may not be enough to support the retirement you want. Investing consistently alongside EPF can help you close the gap and build your wealth over time.
Know your retirement target
Estimate how much you may need based on your desired lifestyle, retirement age, and expected expenses.
Understand the potential gap
Compare your projected EPF savings with your retirement target to see whether you are on track.
Invest consistently for your future
Regular investing gives your money more time to grow and can help you build wealth beyond your EPF savings.
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