See how your retirement savings could grow

EPF savings projector

Project your EPF/KWSP balance at retirement using Malaysia's statutory contribution rates and an expected dividend rate.

Formula

balance = current balance and monthly contributions (employee 11% + employer 12-13%) grown at the expected dividend rate until retirement age

Assumptions

• Uses the statutory default employee (11%) and employer (13% for wages ≤RM5,000, otherwise 12%) contribution rates — some employees or employers elect different voluntary rates.
• Assumes salary and dividend rate stay constant for the whole projection — real EPF dividends have ranged from around 4% to over 6% depending on the year, and salaries typically rise over a career.
• Excludes any withdrawals during the projection period (Account 2 partial withdrawals, housing, education, or special withdrawal schemes).

Frequently asked questions

What's the difference between this and the general Retirement calculator?
The Retirement calculator lets you set any contribution amount and return rate for a generic savings projection. This one specifically models EPF's statutory 11%/12-13% contribution split and lets you plug in KWSP's own declared dividend rate instead of a generic investment return.

How accurate is the dividend rate assumption?
It's only as accurate as the rate you enter, held constant for the whole projection — actual EPF dividends are declared annually and have varied noticeably from year to year, so treat this as a rough long-term estimate, not a guarantee.

Does this include my employer's contribution?
Yes — the monthly contribution figure already combines your 11% employee share with your employer's 12% or 13% share, based on your monthly salary.

Sources

• EPF/KWSP — Statutory contribution rates