EPF Calculator (Malaysia)
Estimate your Malaysia EPF (KWSP) contributions from monthly salary and age using 2024 statutory rates — employee 11%, employer 13% or 12% — plus an optional dividend projection.
Updated 2026-06-14 · Free · No sign-up · Runs privately in your browser
Show the rates & steps
Estimate based on Malaysia's 2024 EPF (KWSP) statutory rates. Contribution rates, brackets and the annual dividend change — the dividend shown is an assumption, not a promise, and you must verify current official figures with KWSP. This is for general guidance, not financial or tax advice.
How it works
An EPF calculator estimates how much you and your employer pay into Malaysia’s Employees Provident Fund (KWSP) each month, based on your salary and age. You enter your monthly salary, your age, and optionally an assumed annual dividend rate, and the tool returns your employee share, employer share, the monthly and yearly totals, and an illustrative one-year balance.
The EPF is Malaysia’s compulsory retirement-savings fund. Both you and your employer contribute a percentage of your wages, the money is invested by KWSP, and an annual dividend is credited to your account. This tool sits in our salary & work calculators and produces an estimate, not an official KWSP statement.
Disclaimer: Estimate based on Malaysia’s 2024 EPF (KWSP) statutory rates. Contribution rates, brackets and the annual dividend change — the dividend shown is an assumption, not a promise, and you must verify the current official figures with KWSP. This is for general guidance, not financial or tax advice.
The EPF Scheme Rules (2024)
For Malaysian citizens and permanent residents, the 2024 statutory contribution rates depend on age and, for the employer, on a single RM5,000 wage threshold:
| Situation | Employee | Employer |
|---|---|---|
| Below age 60, wage ≤ RM5,000 | 11% | 13% |
| Below age 60, wage > RM5,000 | 11% | 12% |
| Age 60 to 75 (citizen / PR) | 0% | 4% |
A few rules to keep in mind:
- The employee rate is a flat 11% below age 60, regardless of salary. Only the employer rate shifts (13% → 12%) once monthly wages pass RM5,000.
- Seniors stop contributing at 60. Employees aged 60–75 pay nothing themselves, but the employer still adds 4% up to age 75.
- EPF rounds to the ringgit. KWSP uses a Third Schedule of wage steps and rounds each share up to the next ringgit, so a real payslip can differ from the straight percentage by a few sen.
Worked Example
Take an employee aged 30 earning RM4,000 a month. They are under 60 and below the RM5,000 threshold, so the rates are 11% employee and 13% employer:
- Employee EPF = RM4,000 × 11% = RM440.00
- Employer EPF = RM4,000 × 13% = RM520.00
- Total per month = RM960.00
- Total per year = RM960 × 12 = RM11,520.00
Now suppose the same person earns RM6,000 a month. Because this is above RM5,000, the employer rate falls to 12%:
- Employee EPF = RM6,000 × 11% = RM660.00
- Employer EPF = RM6,000 × 12% = RM720.00
- Total per month = RM1,380.00
Optional dividend projection
EPF balances grow because KWSP credits an annual dividend. The calculator lets you enter an assumed dividend rate to show a rough one-year balance — the year’s contributions plus dividend earned on the average balance over the year. For example, RM11,520 of contributions at an assumed 5.5% dividend grows to roughly:
RM11,520 + (RM11,520 ÷ 2) × 5.5% ≈ RM11,837
The half-balance factor reflects that contributions trickle in monthly rather than sitting for the full year. Treat this strictly as an illustration: the actual dividend is declared yearly by KWSP and is never guaranteed.
Contribution at a glance
The table below shows the 2024 monthly EPF on common salaries for an under-60 Malaysian citizen:
| Monthly salary | Employee (11%) | Employer | Total | Annual total |
|---|---|---|---|---|
| RM2,000 | RM220 | RM260 (13%) | RM480 | RM5,760 |
| RM4,000 | RM440 | RM520 (13%) | RM960 | RM11,520 |
| RM5,000 | RM550 | RM650 (13%) | RM1,200 | RM14,400 |
| RM8,000 | RM880 | RM960 (12%) | RM1,840 | RM22,080 |
Notes, limits and accuracy
This estimator models the statutory rates for Malaysian citizens and PRs. It does not cover non-citizens (whose rates differ), voluntary top-ups such as i-Saraan or self-contributions, temporary government rate reductions, or KWSP’s exact ringgit rounding. For payroll-accurate figures, use the official KWSP contribution table or your employer’s payroll system.
For related pay maths, try our pay raise calculator to model a salary increase, or browse all salary & work tools.
Frequently asked questions
What is the EPF contribution rate in Malaysia for 2024?+
For Malaysian citizens and PRs below age 60, the statutory employee rate is 11% and the employer rate is 13% when monthly wages are RM5,000 or below, or 12% when wages are above RM5,000. From age 60 to 75 the employee rate is 0% and the employer pays 4%.
How is my EPF contribution calculated?+
Multiply your monthly salary by the rates for your situation. For a salary of RM4,000 under age 60: employee EPF = RM4,000 × 11% = RM440 and employer EPF = RM4,000 × 13% = RM520, for RM960 total each month, or RM11,520 a year.
Why is the employer rate 12% instead of 13%?+
The employer rate drops from 13% to 12% once your monthly wage exceeds RM5,000. The employee rate stays at 11% at all wage levels (below age 60), so only the employer share changes across that RM5,000 threshold.
Do EPF rates change after age 60?+
Yes. For Malaysian citizens and PRs, employees stop contributing at age 60 (employee rate 0%), while the employer continues to contribute at 4% up to age 75. This calculator applies the 4% senior rate automatically when you enter an age of 60 or more.
Is the EPF dividend guaranteed?+
No. The annual EPF dividend is declared each year by KWSP based on its investment returns and is not guaranteed. The projection here uses whatever rate you enter purely as an illustration; recent dividends have been in the 5–6% range, but past returns do not predict future ones.