For an employee under 60, EPF takes 11% of your monthly wage and your employer adds 13% (12% above RM5,000). On RM4,000 a month that is RM960 a month into your account. Assuming 5% dividends and 3% salary growth, neither guaranteed, a balance of RM50,000 at 30 reaches about RM1,063,131 at 55.
Rates as of 10 October 2026. Sources: KWSP (Act, AGC), data.gov.my. An estimate, not tax or financial advice.
The projection also shows what that balance is really worth in today's money after inflation.
Official source, coverage and how this is calculated: see our data methodology →
Uses the statutory rates, which step twice: the employer share drops from 13% to 12% above RM5,000 a month, and from age 60 contributions fall to 0% from you and 4% from your employer. A projection running past 60 therefore adds far less in those years. Assumes ~3% salary growth. Dividends are not guaranteed.
KWSP measures these tiers at age 60, sized to fund 20 years to age 80, and against your Akaun Persaraan balance rather than your total EPF savings. This projection covers your whole EPF balance, so it flatters the comparison.
That rung is KWSP's published 2026 figure for age 55, on the schedule rising RM 30,000 a year to RM 390,000 at 60 by 2030 (it is RM 270,000 at 60 this year). The three tiers above are the lifetime targets, all set at 60.
Nominal balance by age, contributions compounding at your assumed dividend rate.
A projection, not a guarantee. Today's-money figures use a fixed 2.5% so the same inputs always give the same answer; Malaysia's ten-year average is currently 1.7% per our CPI data.
Contribution: an employee under 60 on RM4,000 a month. Projection: age 30 to 55, RM50,000 already saved, RM5,000 a month rising about 3% a year, 5% a year dividend assumed.
| Employee share (11%) | RM440 a month |
|---|---|
| Employer share (13% at or below RM5,000) | RM520 a month |
| Total into EPF | RM960 a month |
| Employer share above RM5,000 a month | 12% |
| Balance today, age 30 | RM50,000 |
| Plus your and your employer's contributions | RM503,738 |
| Plus dividends | RM509,393 |
| Projected balance at 55 (future ringgit) | RM1,063,131 |
Dividends are not guaranteed, and the projected balance is in future ringgit, not today's purchasing power. Change the dividend rate in the calculator to see a cautious and an optimistic case.
Figures marked pending review are being fact-checked against the primary source by our editor before final publication. Always confirm the current-year figure with the official source before acting on it.
If your projection falls short, these can supplement EPF — and PRS carries tax relief too.
For an employee under 60, EPF takes 11% of your monthly wage and your employer adds 13% (12% above RM5,000). On RM4,000 a month that is RM960 a month into your account. Assuming 5% dividends and 3% salary growth, neither guaranteed, a balance of RM50,000 at 30 reaches about RM1,063,131 at 55. This uses the percentage method. The EPF Act's Third Schedule is a banded table, so your exact payslip figure can differ from the percentage by a few ringgit.
It depends on your current balance, salary, how long until you retire, and the dividend rate. This calculator projects your balance using the statutory contribution rates, which step twice: the employer share drops from 13% to 12% once your monthly wage passes RM5,000, and from age 60 contributions fall to 0% from you and 4% from your employer. It also assumes gradual salary growth and a dividend rate you choose.
EPF's conventional dividend has ranged from 5.35% to 6.30% over the past five declared years (2021–2025), most recently 6.15% for 2025. Future dividends are not guaranteed. The tool defaults to a conservative 5% — use a lower rate for a cautious plan and compare.
Your projected balance is in future ringgit. The real-value figure discounts it back to today's purchasing power at a fixed 2.5% a year, so the same inputs always give the same answer. We pin that rate rather than using the latest ten-year average, because the tier verdict below it would otherwise change when the underlying CPI figure moved. Malaysia's current ten-year average is shown under the chart.
The tool places your projection against KWSP's Retirement Income Adequacy tiers: Basic RM390,000, Adequate RM650,000 and Enhanced RM1.3 million, all measured at age 60 and sized to fund 20 years to age 80. Two things to read carefully. First, RM390,000 is the fully-phased Basic figure: KWSP is raising the level RM30,000 a year from RM240,000 in 2025, so it reaches RM390,000 only in 2030. Second, KWSP measures Basic Savings against your Akaun Persaraan balance, while this tool projects your whole EPF pot, so the comparison flatters you. We compare the inflation-adjusted figure rather than the headline one, because the tiers are stated in today's ringgit. If you are below the tier you want, voluntary top-ups (which also qualify for tax relief) or additional investing can close the gap.
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