Malaysia EPF Calculator
Project how much your EPF could be worth at retirement — and what that amount is really worth in today's money after inflation.
Official source, coverage and how this is calculated: see our data methodology →
Assumes 24% total contribution (11% you + 13% employer) and ~3% salary growth. Dividends are not guaranteed.
Projected growth
Nominal balance by age, contributions compounding at your assumed dividend rate.
A projection, not a guarantee. Real-value uses ~1.7% average inflation from our CPI data.
Where these figures come from
- KWSP — 2026 (statutory rates)pending review
- KWSP — Conventional dividend, declared annuallypending review
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.
Grow your retirement beyond EPF
If your projection falls short, these can supplement EPF — and PRS carries tax relief too.
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Frequently asked questions
How much EPF will I have at retirement?
It depends on your current balance, salary, how long until you retire, and the dividend rate. This calculator projects your balance assuming the standard 24% total contribution (11% employee + 13% employer), gradual salary growth, and a dividend rate you can adjust.
What dividend rate should I assume?
EPF's conventional dividend has ranged roughly 5.0%–6.3% in recent years, but future dividends are not guaranteed. The tool defaults to a conservative 5% — use a lower rate for a cautious plan and compare.
What does 'real value' mean here?
Your projected balance is in future ringgit. The real-value figure discounts it back to today's purchasing power using Malaysia's historical inflation rate, so you can judge what the amount would actually be worth.
Is my EPF enough to retire on?
The tool compares your projection to KWSP's Basic Savings benchmark at 55 as a rough baseline. If you're below it, voluntary top-ups (which also qualify for tax relief) or additional investing can close the gap.
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