Kalkulator EPF Malaysia
Unjur simpanan EPF dengan kenaikan gaji, caruman majikan, dan dividen kompaun.
Maklumat EPF Anda
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Cara Simpanan EPF Berfungsi
EPF (Employees Provident Fund), or KWSP (Kumpulan Wang Simpanan Pekerja), is Malaysia's mandatory retirement savings scheme. Every private-sector employee and their employer make monthly contributions, which are invested and earn an annual dividend declared by EPF. The power of EPF lies in compound dividends over decades — even moderate salary earners can accumulate significant retirement savings.
Employee (11%)
You contribute 11% of your gross salary every month. For salaries above RM5,000, you may opt for a lower 9% rate (but 11% is the default and recommended for maximum savings).
Employer (12–13%)
Your employer contributes 13% of your salary if your monthly pay is ≤RM5,000, or 12% above that. This is paid on top of your salary — it's free money added to your retirement savings.
Annual Dividend
EPF invests the pooled funds and declares a dividend each January. The dividend is credited to your balance and compounds over time. Over the last decade, dividends have ranged from 5.2% to 6.9%.
EPF Account Structure (from May 2024)
Retirement savings only. Cannot be withdrawn before age 55 (or 60 for full withdrawal).
Partial withdrawals allowed for housing, education, health, and hajj purposes.
Fully flexible — can be withdrawn at any time with no restrictions via i-Akaun.
Sejarah Dividen EPF
Kadar dividen tahunan Akaun Persaraan dan Akaun Sejahtera (konvensional), 2016–2023.
| Tahun | Akaun Persaraan | Akaun Sejahtera |
|---|---|---|
| 2023 | 5.50% | 4.50% |
| 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% | 6.70% |
| 2016 | 5.70% | 5.70% |
Source: EPF Malaysia (KWSP). Pre-2023 columns reflect Account 1 / Account 2 rates before the restructuring. Shariah dividend rates differ slightly.
Penanda Aras Simpanan Asas EPF
EPF menerbitkan sasaran Simpanan Asas mengikut umur. Cuba capai atau lebihi aras ini untuk persaraan yang selamat.
Age 25
RM6,100
Age 30
RM22,300
Age 35
RM52,200
Age 40
RM92,100
Age 45
RM144,600
Age 50
RM209,700
Age 54
RM240,000
Age 55
RM600,000*
*RM600,000 pada umur 55 adalah sasaran kecukupan persaraan EPF, ~RM2,500/bulan selama 20 tahun. Sumber: KWSP.
Soalan Lazim
Penafian: Kalkulator dan artikel ini disediakan untuk tujuan pendidikan dan maklumat umum sahaja. Keputusan adalah anggaran dan tidak harus dianggap sebagai nasihat kewangan, cukai, undang-undang, atau pelaburan. Sila rujuk pihak berkuasa berkaitan, institusi kewangan, atau profesional bertauliah sebelum membuat keputusan kewangan.
What Is EPF (KWSP)?
The Employees Provident Fund (EPF), or Kumpulan Wang Simpanan Pekerja (KWSP) in Malay, is Malaysia's mandatory defined-contribution retirement savings scheme. Established in 1951, EPF requires all private-sector employees and their employers to contribute a fixed percentage of monthly salary to an individual savings account, which grows through annual dividends declared by the EPF board.
As of 2024, EPF manages over RM1 trillion in assets on behalf of approximately 15 million active members. Every Malaysian working in the private sector is automatically enrolled. Contributions are pooled and invested in a diversified portfolio including Malaysian Government Securities, equities, real estate, and infrastructure — generating dividends that have historically averaged around 5.5–6% per year.
How EPF Contributions Work
Each monthly EPF contribution is split between employee and employer, and since May 2024, distributed across three accounts:
The split above applies to contributions from May 2024 onwards. Existing balances before this date are distributed differently based on the member's prior account structure.
EPF Dividend History Malaysia
EPF dividends are declared annually and credited to members' accounts in the first quarter of the following year. The table below shows Akaun Persaraan (Conventional) dividend rates over the past decade:
| Year | Akaun Persaraan Rate | Context |
|---|---|---|
| 2023 | 5.50% | Strong equity markets recovery |
| 2022 | 5.35% | Challenging global market conditions |
| 2021 | 6.10% | Post-pandemic rebound year |
| 2020 | 5.20% | COVID-19 impact on investment returns |
| 2019 | 5.45% | Strong domestic fixed income returns |
| 2018 | 6.15% | Highest rate since 2014 |
| 2017 | 6.90% | Exceptional equity gains |
| 2016 | 5.70% | Steady returns amid market volatility |
Source: EPF Annual Reports. Shariah dividend rates may differ slightly.
Example EPF Projection
Scenario: Starting age 25, Salary RM4,000/month, No existing balance
Assumptions: 3% annual salary increment, 5.5% dividend rate, retire at 60 (35 years).
This is illustrative only. Actual EPF savings depend on your salary growth, contribution rate elections, and actual EPF dividend rates. Use the calculator above for a personalised projection.
How Much EPF Should You Have? Benchmarks by Age
| Age | Belanjawanku Benchmark | For RM3,000/mth salary | For RM5,000/mth salary |
|---|---|---|---|
| Age 30 | 3× annual salary | RM 108,000 | RM 180,000 |
| Age 40 | 6× annual salary | RM 216,000 | RM 360,000 |
| Age 50 | 10× annual salary | RM 360,000 | RM 600,000 |
| Age 55 | 14× annual salary | RM 504,000 | RM 840,000 |
Based on EPF's Belanjawanku guidelines. These are targets, not guarantees. Salary figures are current — your actual salary at those ages may differ.