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.
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.
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.
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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.
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 using Malaysia's historical inflation rate, so you can judge what the amount would actually be worth.
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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