EPF Calculator Malaysia
A 30-year-old earning RM4,000 a month with RM50,000 in EPF today could have about RM 1,534,436 at 60, or RM 731,531 in today's money, assuming 3% yearly raises and the 5.88% average dividend. The latest EPF dividend is 6.15% for 2025. Enter your own figures below.
Your EPF at 60
Projected savings
RM 731,531 in today's money · RM 6,393 a month over 20 years (RM 3,048 today)
Reaches the Adequate level (RM650,000).
| Akaun Persaraan (75%) | RM 1,150,827 |
|---|---|
| Akaun Sejahtera (15%) | RM 230,165 |
| Akaun Fleksibel (10%) | RM 153,444 |
| Balance today | RM 50,000 |
|---|---|
| Your contributions | RM 252,984 |
| Employer contributions | RM 280,248 |
| Voluntary top-ups | RM 0 |
| Dividends | RM 951,204 |
Dividend in your first year: RM 3,250.46
Year-by-year projection
| Age | Salary | Contributions | Dividend | Balance |
|---|---|---|---|---|
| 31 | RM 4,000 | RM 11,520 | RM 3,250 | RM 64,770 |
| 32 | RM 4,120 | RM 11,880 | RM 4,129 | RM 80,779 |
| 33 | RM 4,244 | RM 12,276 | RM 5,081 | RM 98,136 |
| 34 | RM 4,371 | RM 12,624 | RM 6,111 | RM 116,870 |
| 35 | RM 4,502 | RM 13,032 | RM 7,223 | RM 137,126 |
| 36 | RM 4,637 | RM 13,380 | RM 8,424 | RM 158,929 |
| 37 | RM 4,776 | RM 13,776 | RM 9,716 | RM 182,421 |
| 38 | RM 4,920 | RM 14,184 | RM 11,109 | RM 207,714 |
| 39 | RM 5,067 | RM 14,076 | RM 12,593 | RM 234,383 |
| 40 | RM 5,219 | RM 14,628 | RM 14,176 | RM 263,187 |
| 41 | RM 5,376 | RM 14,904 | RM 15,877 | RM 293,968 |
| 42 | RM 5,537 | RM 15,456 | RM 17,702 | RM 327,126 |
| 43 | RM 5,703 | RM 16,008 | RM 19,666 | RM 362,800 |
| 44 | RM 5,874 | RM 16,284 | RM 21,772 | RM 400,856 |
| 45 | RM 6,050 | RM 16,836 | RM 24,024 | RM 441,716 |
| 46 | RM 6,232 | RM 17,388 | RM 26,442 | RM 485,545 |
| 47 | RM 6,419 | RM 17,940 | RM 29,034 | RM 532,519 |
| 48 | RM 6,611 | RM 18,492 | RM 31,810 | RM 582,821 |
| 49 | RM 6,810 | RM 19,044 | RM 34,783 | RM 636,649 |
| 50 | RM 7,014 | RM 19,596 | RM 37,963 | RM 694,208 |
| 51 | RM 7,224 | RM 20,148 | RM 41,362 | RM 755,718 |
| 52 | RM 7,441 | RM 20,700 | RM 44,994 | RM 821,412 |
| 53 | RM 7,664 | RM 21,252 | RM 48,872 | RM 891,536 |
| 54 | RM 7,894 | RM 21,804 | RM 53,010 | RM 966,350 |
| 55 | RM 8,131 | RM 22,632 | RM 57,431 | RM 1,046,413 |
| 56 | RM 8,375 | RM 23,184 | RM 62,154 | RM 1,131,751 |
| 57 | RM 8,626 | RM 24,012 | RM 67,194 | RM 1,222,957 |
| 58 | RM 8,885 | RM 24,564 | RM 72,572 | RM 1,320,093 |
| 59 | RM 9,152 | RM 25,392 | RM 78,306 | RM 1,423,791 |
| 60 | RM 9,426 | RM 26,220 | RM 84,426 | RM 1,534,436 |
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How the EPF dividend is calculated
EPF works out dividend on your daily balance and credits it once a year, after the rate is announced (usually in February or March).
- Money that stays in your account the whole year earns the full rate: RM100,000 at 6.15% earns RM6,150.
- Each month's contribution earns only for the rest of the year. January's contribution earns about eleven months, December's almost nothing until the next year.
- Dividend is credited to Akaun Persaraan, Sejahtera and Fleksibel on each account's own balance.
This calculator follows the same method month by month, then repeats it for every year until your chosen age, raising your salary each year.
EPF dividend history
| Year | Conventional | Shariah |
|---|---|---|
| 2025 | 6.15% | 6.15% |
| 2024 | 6.30% | 6.30% |
| 2023 | 5.50% | 5.40% |
| 2022 | 5.35% | 4.75% |
| 2021 | 6.10% | 5.65% |
| 2020 | 5.20% | 4.90% |
| 2019 | 5.45% | 5.00% |
| 2018 | 6.15% | 5.90% |
| 2017 | 6.90% | 6.40% |
| 2016 | 5.70% | – |
The ten-year average for conventional savings is 5.88%. Past dividends do not guarantee future rates.
Akaun Persaraan, Sejahtera and Fleksibel
Since 11 May 2024, every monthly contribution is split three ways:
- Akaun Persaraan (75%) for retirement, withdrawable from age 55.
- Akaun Sejahtera (15%) for approved withdrawals such as housing, education and health.
- Akaun Fleksibel (10%) that you can withdraw at any time.
On RM1,000 of total monthly contributions, RM750 goes to Persaraan, RM150 to Sejahtera and RM100 to Fleksibel. Withdrawing from Fleksibel reduces both your balance and the dividend it would have earned.
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How much EPF do you need to retire?
EPF's Retirement Income Adequacy framework sets three savings levels at age 60, in today's prices:
| Level | Savings at 60 | What it supports |
|---|---|---|
| Basic | RM390,000 | Essential needs; RM290,000 in 2026 and RM340,000 in 2027 while it phases in |
| Adequate | RM650,000 | A reasonable standard of living |
| Enhanced | RM1,300,000 | Greater financial security and independence |
EPF savings by salary
Starting at age 25 with no savings, 3% yearly raises, the 5.88% average dividend and statutory contributions. Figures are in future ringgit.
| Starting salary | At 55 | At 60 | Monthly over 20 years |
|---|---|---|---|
| RM 2,000 | RM 644,494 | RM 941,157 | RM 3,921 |
| RM 3,000 | RM 954,372 | RM 1,393,559 | RM 5,807 |
| RM 4,000 | RM 1,256,856 | RM 1,837,683 | RM 7,657 |
| RM 5,000 | RM 1,551,740 | RM 2,270,434 | RM 9,460 |
| RM 7,000 | RM 2,163,867 | RM 3,166,910 | RM 13,195 |
| RM 10,000 | RM 3,083,530 | RM 4,512,619 | RM 18,803 |
Sources
- Malay Mail: EPF announces 6.15% dividend for 2025
- RinggitPlus: historical EPF dividend rates
- NST: EPF raises basic retirement benchmark to RM390,000
- KWSP: contribution rates
Disclaimer: This is a projection, not an EPF statement or financial advice. Future dividends, salaries and inflation are assumptions. Check your actual balances in the KWSP app or i-Akaun.
Frequently asked questions
What is the EPF dividend for 2025?
EPF declared 6.15% for 2025 for both conventional and Shariah savings, announced on 28 February 2026. It was slightly lower than 6.30% for 2024. The average for 2016–2025 is about 5.88% for conventional savings.
How is the EPF dividend calculated?
EPF calculates dividend on your daily balance and credits it once a year. Money that was in your account all year earns the full rate, while each monthly contribution earns only for the part of the year after it arrived. For example, RM100,000 held all year at 6.15% earns RM6,150.
How are my contributions split between the three accounts?
Since 11 May 2024, monthly contributions go 75% to Akaun Persaraan (retirement), 15% to Akaun Sejahtera (housing, education, health and other approved withdrawals) and 10% to Akaun Fleksibel (withdraw any time). Dividend is credited to each account on its own balance.
How much EPF savings do I need to retire?
EPF's Retirement Income Adequacy framework sets three levels at age 60 in today's prices: Basic RM390,000, Adequate RM650,000 and Enhanced RM1.3 million. The Basic level phases in at RM290,000 in 2026, RM340,000 in 2027 and RM390,000 from 2028. This calculator adjusts your projection for inflation before comparing it with these levels.
How much do I and my employer contribute?
Employees under 60 contribute 11% of wages. Employers add 13% for wages up to RM5,000 and 12% above that. The amounts follow the KWSP Third Schedule wage bands, so they can be a little higher than the straight percentage.
Can I increase my EPF savings?
Yes. You can choose a higher employee contribution rate through your employer, or make voluntary top-ups yourself through the KWSP app or i-Akaun. Use the more options section to see how much a top-up adds by retirement.
Is this an official EPF statement?
No. It is a projection based on the assumptions you choose. Future dividends are not guaranteed. Check your actual balances in the KWSP app or i-Akaun.
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