EPF (KWSP) Retirement Calculator
Project how your EPF savings could grow between now and retirement.
Your Details
EPF's actual dividend rate is declared annually and is not fixed -- adjust this to explore different scenarios.
Projected Balance
RM0
Total Contributed
RM0
Total Dividends
RM0
| Age | Projected Balance | Annual Contribution | Total Contributed So Far |
|---|
How This Is Calculated
- Contribution rates: 11% employee / 13% (wages up to RM5,000) or 12% employer (above RM5,000) for ages below 60; 0% employee / 4% employer from age 60. Starting balance shown here: RM0.
- Compounding: Contributions are added annually and the assumed dividend rate is applied once per year -- a simplified model, not month-by-month compounding.
- Salary assumption: Your monthly salary is assumed to stay constant for the whole projection (no raises modeled).
- Dividend rate: EPF declares its dividend rate annually and it is not guaranteed or fixed -- the rate here is a user-adjustable assumption, not an official forecast.
- Disclaimer: This calculator is a guide only and does not replace your official EPF statement or KWSP's own tools.
Frequently Asked Questions
How much will my EPF grow by retirement?
It depends on your current balance, salary, years to retirement, and the dividend rate -- adjust the inputs above to see your own projection.
What EPF dividend rate should I assume?
EPF declares its rate annually and it varies -- this tool defaults to a conservative illustrative rate you can adjust yourself.
What contribution rate does this use?
11%/13% (or 12%) below age 60, and 0%/4% from age 60, per current EPF Act rates.