Your EPF Details
2025 actual rate: 6.15%. Conservative: 5.20% (the 2020 low). Optimistic: 6.90% (the 2017 high).
This Year's Dividend
RM 6,150
at 6.15% on RM 100,000
Balance in 20 Years
RM 662,846
incl. contributions + dividends
EPF Growth Projection
| Year | Annual Dividend | Total Contributed | EPF Balance |
|---|---|---|---|
| Year 1 | RM 6,416 | RM 8,640 | RM 115,056 |
| Year 5 | RM 10,475 | RM 43,200 | RM 185,125 |
| Year 10 | RM 17,122 | RM 86,400 | RM 299,849 |
| Year 15 | RM 26,080 | RM 129,600 | RM 454,466 |
| Year 20 | RM 38,153 | RM 172,800 | RM 662,846 |
Assumes constant 6.15% annual dividend and RM 720/month combined contribution. Actual EPF dividend varies yearly.
EPF Dividend History 2013–2025 — Every Year's Rate
EPF declared 6.15% for Simpanan Konvensional and 6.15% for Simpanan Shariah for 2025. Over the last ten declared years the conventional rate has averaged 5.88%, with a high of 6.90% (2017, the highest since 1996) and a low of 5.20% (2020). It has not fallen below 5% in over a decade, and Simpanan Konvensional carries a statutory minimum guaranteed dividend of 2.50% per year.
| Year | Simpanan Konvensional | Simpanan Shariah | Notes |
|---|---|---|---|
| 2025 | 6.15% | 6.15% | Latest declared |
| 2024 | 6.30% | 6.30% | Highest since 2017 |
| 2023 | 5.50% | 5.40% | |
| 2022 | 5.35% | 4.75% | |
| 2021 | 6.10% | 5.65% | Post-pandemic rebound |
| 2020 | 5.20% | 4.90% | COVID-19 impact — lowest since 2008 |
| 2019 | 5.45% | 5.00% | |
| 2018 | 6.15% | 5.90% | |
| 2017 | 6.90% | 6.40% | Highest since 1996 |
| 2016 | 5.70% | — | |
| 2015 | 6.40% | — | |
| 2014 | 6.75% | — | |
| 2013 | 6.35% | — |
Simpanan Shariah is reported separately only from 2017 — registration opened on 8 August 2016 and Shariah savings were managed from January 2017, so no Shariah rate exists for earlier years. Unlike Simpanan Konvensional it carries no statutory minimum, because its return depends strictly on Shariah-compliant asset yields. Source: KWSP dividend announcements. Verified September 2026.
When Is the EPF Dividend Announced and Credited?
EPF declares the previous year's dividend in late February or early March, and credits it to members' accounts on the announcement date — the 2025 rate of 6.15% follows that pattern. The dividend is calculated on your daily aggregate balance, not on your year-end balance, which is why money contributed in January earns nearly a full year of dividend while money contributed in December earns almost none. Check your credited amount in the i-Akaun app once the announcement is made.
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