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KWSP (EPF) Retirement Savings Calculator

Project how your KWSP balance grows with monthly contributions and yearly dividend until retirement.

2025 rate: 6.15% Conventional · 6.15% Shariah
Source: KWSP · Reviewed 29 August 2026

Your details

RM
RM
%
2%8%
2025 actual was 6.15%. Average since 2019: 5.72%. See past rates
yrs
1yrs40yrs
Contribution rates
%
%
RM

Projected balance at retirement

Estimate · assumes 5.50% every year
Total KWSP
RM 1,351,340
Total contributions
RM 559,760
Total dividend
RM 791,580

Growth over time

  1. Each month, employee + employer contribution (11% + 13% of salary) is added to the balance.
  2. Dividend accrues on the running balance each month at 5.50% ÷ 12 and is credited at the end of the year.
  3. Salary rises by RM 200 each year and the cycle repeats until retirement.
Known difference: KWSP calculates dividend on your daily aggregate balance, and the employer rate depends on your wage band, so a real statement can differ slightly. Future rates are unknown; 5.50% is your assumption, not a forecast.
Full methodology and rate sources

Need your take-home pay after KWSP and tax? KiraGaji salary calculator (separate site).

Planning your retirement with KWSP (EPF)

The Employees Provident Fund (KWSP/EPF) is the compulsory retirement savings scheme for private-sector employees in Malaysia. Contributions come from both you and your employer every month, and KWSP declares a dividend rate once a year.

Why small changes matter over 30 years

Because dividend is paid on your whole balance, growth compounds. A modest annual salary increment (for example RM200 a year) raises your contributions every year, and each year's dividend is then earned on a larger balance.

Basic Savings benchmark

KWSP publishes a "Basic Savings" benchmark for the amount members should have by age 55. The figure is revised from time to time; check the current benchmark on kwsp.gov.my and compare it with the projection above.

Rates in this calculator were last reviewed 29 August 2026. This tool is independent and not affiliated with KWSP.

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