EPF / KWSP Retirement Calculator

Project your EPF balance at retirement and see how much monthly dividend you can live on — without touching the principal.

👤 Your Profile

Current Age

Target Retirement Age

Current EPF Balance (RM)

💼 Salary & Contributions

Current Gross Monthly Salary (RM)

Employee Rate (%)

Malaysian below 60: 11%. Malaysian age 60+: 0%. PR/Non-MY age 60+: 5.5%.

Employer Rate (%)

Malaysian below 60: 13% (salary ≤ RM5,000) | 12% (salary > RM5,000). Malaysian age 60+: 4%. Enter actual rate if your employer contributes more.

Annual Salary Increment (%)

EPF Dividend Rate (%)

Self Voluntary Contribution (RM/year)Optional

Top-up via KWSP i-Akaun or cash at KWSP counter. Max RM 100,000/year per KWSP rules.

📊 Historical EPF Dividends

2024

5.50%

2023

5.50%

2022

5.35%

2021

6.10%

2020

5.20%

2019

5.45%

2018

6.15%

2017

6.90%

Enter valid ages to see your projection

⚠️ Projections are estimates only. EPF dividends are declared annually and not guaranteed. Verify your balance at kwsp.gov.my.