EPF Retirement Calculator

Project your EPF/KWSP balance at retirement. Supports Akaun Persaraan, Sejahtera, and Fleksibel (Account 3). Free, 100% browser-based, no sign-up.

What this calculator covers

Projected EPF balance at retirement (age 55, 60, or 65)
All three accounts: Akaun Persaraan, Sejahtera, Fleksibel
Akaun Fleksibel (Account 3) withdrawal scenarios
Impact of voluntary top-ups to reach RM 1M
Monthly income if you draw down over 20 or 25 years
Self-employed / working abroad (i-Saraan) mode

1Your Details(Maklumat Anda)

Current Age(Umur Semasa)

22 yrs30 yrs60 yrs

Monthly Salary(Gaji Bulanan)

RM 1,500RM 5,000RM 50,000

Current EPF Balance (Baki EPF Semasa)

Akaun Persaraan (Account 1)(75% — locked until age 55)

Akaun Sejahtera (Account 2)(15% — housing/edu/health)

Akaun Fleksibel (Account 3)(10% — withdraw anytime)

Projection Assumptions (Andaian Projeksi)

Annual Salary Increment(Kenaikan Gaji Tahunan)

0%3%10%

EPF Dividend Rate(Kadar Dividen EPF)

3%6%9%

Retirement Age (Umur Persaraan)

Self-Employed (Bekerja Sendiri)

EPF Contribution Rates

Updated: Apr 2025

Age ≤60, salary ≤RM5,00011% + 13% = 24%

Age ≤60, salary >RM5,00011% + 12% = 23%

Age >605.5% + 6% = 11.5%

Max. contributory wageRM 20,000

2Retirement Balance Projection(Unjuran Baki Persaraan)

At age 60

Grand Total (All Accounts)

RM 1,854,448

30 years to go

Akaun Persaraan

(75%)

RM 1.39j

Akaun Sejahtera

(15%)

RM 278.2k

Akaun Fleksibel

(10%)

RM 185.4k

Total Contributions

Jumlah Caruman

RM 657,141

Total Dividends

Jumlah Dividen

RM 1,157,307

3Monthly Retirement Income(Anggaran Pendapatan Bulanan)

Assumes 4% p.a. post-retirement return on remaining balance

20-Year Drawdown

Drawn down over 20 years

✓ Comfortable

RM 11,238

per month

vs Urban Poverty Line: RM 2,208 (+RM 9,030)

25-Year Drawdown

Drawn down over 25 years

✓ Comfortable

RM 9,788

per month

vs Urban Poverty Line: RM 2,208 (+RM 7,580)

4EPF Growth Chart(Graf Pertumbuhan EPF)

Dashed line: projection with an additional 2% voluntary top-up

!Optimization Tips(Tips Optimasi)

🏆 RM1 Million Target Achieved!

Congratulations! Your projection shows you will exceed RM1 million by age 60. Your estimated balance is RM 1,854,448.

5Year-by-Year Projection(Jadual Unjuran Tahunan)

Showing last 10 rows. Click "Show All" to see the full table.

Age	Year	Contrib/Mo	Dividend/Yr	Year-End Balance	Persaraan	Sejahtera	Fleksibel
50	2046	RM 2,077	RM 50,526	RM 883,342	RM 662,506	RM 132,501	RM 88,334
51	2047	RM 2,139	RM 55,200	RM 964,214	RM 723,161	RM 144,632	RM 96,421
52	2048	RM 2,204	RM 60,210	RM 1,050,866	RM 788,150	RM 157,630	RM 105,087
53	2049	RM 2,270	RM 65,577	RM 1,143,679	RM 857,759	RM 171,552	RM 114,368
54	2050	RM 2,338	RM 71,324	RM 1,243,055	RM 932,291	RM 186,458	RM 124,306
55	2051	RM 2,408	RM 77,477	RM 1,349,426	RM 1,012,070	RM 202,414	RM 134,943
56	2052	RM 2,480	RM 84,062	RM 1,463,249	RM 1,097,437	RM 219,487	RM 146,325
57	2053	RM 2,554	RM 91,107	RM 1,585,010	RM 1,188,758	RM 237,752	RM 158,501
58	2054	RM 2,631	RM 98,643	RM 1,715,226	RM 1,286,420	RM 257,284	RM 171,523
59	2055	RM 2,710	RM 106,701	RM 1,854,448	RM 1,390,836	RM 278,167	RM 185,445

Calculations based on EPF 2025 contribution rates. This calculator is for estimation purposes only. Actual dividends depend on EPF's investment performance. Please refer to kwsp.gov.my for accurate information.

Projections are estimates only. Verify your actual balances on kwsp.gov.my. Not financial advice.

Frequently Asked Questions

How do I use the EPF retirement calculator?

Enter your current age, monthly salary, current EPF balances across all three accounts (Akaun Persaraan, Akaun Sejahtera, Akaun Fleksibel), and your expected annual salary increment. Choose your retirement age (55, 60, or 65) and adjust the EPF dividend rate assumption. The calculator instantly shows your projected retirement balance and estimated monthly income.

How accurate is this EPF calculator?

This calculator uses the official EPF contribution rates (11% employee + 12–13% employer) and the post-May 2024 account split ratios (75% Akaun Persaraan, 15% Akaun Sejahtera, 10% Akaun Fleksibel). Dividend rates are user-configurable — historically EPF has paid between 5% and 6.75% annually. Results are projections based on your inputs and are not guaranteed. Always verify on kwsp.gov.my.

What is Akaun Fleksibel (Account 3)?

Akaun Fleksibel was introduced in May 2024. It receives 10% of each monthly contribution and allows members to withdraw at any time without restriction. This replaced the old Account 2 structure. The calculator shows what your Account 3 balance will be at retirement and lets you model withdrawal scenarios.

Can I still contribute to EPF if I work in Singapore?

Yes. Malaysian citizens and permanent residents working abroad can make voluntary contributions to EPF (i-Saraan scheme). You contribute directly without employer matching, but you still earn dividends and the contributions are tax-deductible in Malaysia (up to RM4,000 per year). The calculator has a self-employed/voluntary mode for this scenario.

What EPF dividend rate should I use?

EPF declares dividends annually. Historical rates: 2023 — 5.50% (conventional), 4.75% (Shariah); 2022 — 5.35%; 2021 — 6.10%; 2020 — 5.20%. A conservative planning assumption is 5.0–5.5%. The default in this calculator is 5.5%. Using 6% gives a more optimistic scenario.

What does the voluntary top-up feature show?

The calculator shows how much additional monthly contribution (beyond your mandatory EPF contribution) you would need to reach RM 1,000,000 at retirement. It also shows a comparison projection if you top up an extra 2% of salary voluntarily each month. This helps you understand the compounding impact of voluntary contributions.

Why does the calculator have retirement ages of 55, 60, and 65?

EPF allows full withdrawal at age 55 (Akaun Persaraan). Many members choose to leave the money invested until 60 or 65 since EPF continues to earn dividends. Each option shows a significantly different projected balance — staying invested until 65 instead of 55 can more than double your balance due to compounding.

What is the monthly drawdown calculation based on?

The monthly income figures assume you draw down your entire EPF balance over 20 or 25 years, earning a conservative 4% annual return on the remaining balance (similar to a fixed deposit or bond). This is the standard financial planning annuity formula. It does not account for inflation — adjust your expectations accordingly.