Choose Your EPF Calculator
EPF Contribution Calculator
Most PopularEnter your salary → see exact EPF (11%+13%), SOCSO, and EIS deductions. Includes take-home pay and employer total cost.
Kalkulator KWSP Malaysia (BM)
Bahasa MalaysiaVersi BM: Kira potongan KWSP, SOCSO dan EIS. Semak gaji bersih dan caruman majikan — dalam Bahasa Malaysia.
EPF Retirement Calculator
Full CalculatorProject your EPF balance at retirement age 55 or 60. Includes Account 1, 2 & 3 breakdown, dividend compounding, and voluntary top-up analysis.
EPF Investment Calculator
BMUnjur pertumbuhan baki EPF dalam 10, 20, 30 tahun. Dividen 6.30% (2024). Termasuk caruman sukarela.
EPF Dividend Calculator
NewSee your annual EPF dividend at 6.30% (2024). Year-by-year projection table with compound growth. Historical dividend rates from 2017–2024.
EPF Akaun 3 Withdrawal Calculator
Calculate the true long-term cost of withdrawing from EPF Akaun Fleksibel (Account 3). See dividend loss over 10, 20, 30 years.
i-Saraan RM500 Calculator
BMSelf-employed or gig worker? Contribute RM2,500 a year and the government adds RM500 (20%). Calculator shows your incentive.
EPF Quick Reference 2026
11%
Employee contribution rate
13%
Employer rate (salary ≤RM5k)
12%
Employer rate (salary >RM5k)
6.30%
2024 dividend rate
75%
Akaun Persaraan (Account 1)
15%
Akaun Sejahtera (Account 2)
10%
Akaun Fleksibel (Account 3)
2.50%
Minimum guaranteed dividend
EPF Contribution Rates Table 2026
| Category | Employee | Employer | Total |
|---|---|---|---|
| Malaysian, age < 60, salary ≤ RM5,000 | 11% | 13% | 24% |
| Malaysian, age < 60, salary > RM5,000 | 11% | 12% | 23% |
| Malaysian, age 60–75 | 5.5% | 6% | 11.5% |
| PR (Permanent Resident), age < 60 | 11% | 12% | 23% |
| Non-citizen, age < 60 | 11% | 12% | 23% |
| Voluntary (i-Saraan / i-Suri) | Self-determined | – | – |
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