Question 1

What is the EPF contribution rate in Malaysia 2026?

Accepted Answer

EPF contribution rates in 2026: Employee pays 11% of gross salary (Malaysian citizens aged under 60). Employer contributes 13% for salaries up to RM5,000, or 12% for salaries above RM5,000. Combined, this is a 24% savings rate — one of the highest mandatory retirement savings rates in the world. EPF contributions are split: 75% Akaun Persaraan, 15% Akaun Sejahtera, 10% Akaun Fleksibel.

Question 2

What is the EPF dividend rate for 2024?

Accepted Answer

EPF declared 6.30% dividend for 2024 Conventional Savings — the highest since 2017. Shariah Savings also received 6.30%. Total payout: RM73.24 billion. Historical rates: 2023 (5.50%), 2022 (5.35%), 2021 (5.65%), 2020 (5.20%). EPF has paid above the 2.5% guaranteed minimum every single year since inception.

Question 3

How much EPF will I have at retirement?

Accepted Answer

EPF balance at retirement depends on salary, years of service, and dividend rate. Rule of thumb: at RM3,000/month salary with 6.30% dividend, 30 years of contributions builds ~RM650,000–750,000. EPF recommends a minimum RM240,000 at age 55 for basic retirement (RM1,000/month for 20 years). Use our EPF Retirement Calculator for a precise projection based on your salary.

Question 4

What is EPF Akaun 3 (Akaun Fleksibel)?

Accepted Answer

EPF Akaun Fleksibel (Account 3) receives 10% of all new contributions and can be withdrawn anytime for any purpose — no age limit, no reason needed. Minimum withdrawal RM50. One withdrawal per day. This was introduced in May 2024, replacing the old Account 1/2 structure. The other 90% (Akaun Persaraan 75% + Akaun Sejahtera 15%) remains for retirement and specific housing/education/medical needs.

Question 5

Can I make voluntary EPF contributions?

Accepted Answer

Yes — voluntary EPF contributions (i-Saraan for self-employed, i-Suri for housewives) earn the same 6.30% dividend and qualify for RM3,000 income tax relief per year. Self-employed individuals, freelancers, and gig workers can register via the i-Akaun app or EPF branches. There's no minimum but RM300/month voluntary contribution over 30 years grows to ~RM330,000 at 6.30%.

Question 6

Is EPF or ASB better for Malaysians?

Accepted Answer

Both are strong choices. EPF 6.30% (2024) vs ASB 5.25% (2024) + bonus — EPF paid higher in 2024. EPF: available to all Malaysians and non-citizens in formal employment, mandatory, more liquid via Akaun 3. ASB: Bumiputera only, bonus dividend on top of base dividend, invest up to RM200,000. For non-Bumiputera, EPF is the best risk-free government-guaranteed investment in Malaysia.

Monthly	10 yrs	20 yrs	30 yrs
RM300/mo	RM61k	RM228k	RM678k
RM500/mo	RM102k	RM380k	RM1.13M
RM531/mo	RM109k	RM404k	RM1.2M

Monthly	10 yrs	20 yrs	30 yrs
RM300/mo	RM55k	RM177k	RM449k
RM500/mo	RM91k	RM297k	RM749k
RM670/mo	RM122k	RM397k	RM1.0M

EPF Calculator Malaysia 2026

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EPF Quick Reference 2026

EPF Contribution Rates Table 2026

RM500/Month for 30 Years = RM1.13M — via S&P 500 at 10% p.a.

Frequently Asked Questions

RM670/Month for 30 Years = RM1M — At 0% Sales Charge

Related Salary & Tax Calculators

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	–	–