EPF Calculator

EPF Calculator 2026

Calculate monthly EPF contributions, eligible tax relief, and retirement savings projection. Includes employer and voluntary contributions.

Maklumat Caruman EPF/KWSP

Masukkan gaji dan umur untuk pengiraan

Gaji Bulanan (RM)

Umur Sekarang

Untuk kira unjuran persaraan (umur 60)

Caruman Tambahan Bulanan (RM) - Pilihan

Caruman sukarela untuk tingkatkan simpanan persaraan

Kadar Caruman KWSP:

Pekerja:11%

Majikan:13%

Keputusan

Keputusan Pengiraan EPF

Masukkan gaji bulanan dan umur, kemudian klik Kira EPF untuk melihat caruman bulanan dan unjuran persaraan.

EPF Contribution Rates 2026

Category	Employee	Employer
Employees Below 60 Years	11%	13%
Employees 60 Years and Above	5.5%	6%

Employer contribution is additional - not deducted from your salary

EPF-Related Tax Reliefs

EPF Contribution

RM 4,000

Mandatory + voluntary contributions (combined)

Private Retirement Scheme

RM 3,000

PRS contributions (separate from EPF)

Life Insurance/Takaful

RM 3,000

Life insurance/takaful premiums

Frequently Asked Questions

What is the EPF contribution rate?

For employees below 60 years: 11% (employee) + 13% (employer) = 24%. For employees 60 years and above: 5.5% (employee) + 6% (employer). Employer contribution is additional and not deducted from your salary.

What is the tax relief for EPF?

Mandatory employee contributions + voluntary contributions can be claimed up to RM4,000. This is separate from life insurance and PRS relief. Example: If mandatory contribution is RM3,600/year, you can add RM400 voluntary contribution to maximize relief.

What is voluntary EPF contribution?

Voluntary contribution is additional amount you can contribute yourself to your EPF account. It helps increase retirement savings and is also eligible for tax relief (combined with mandatory contribution up to RM4,000).

When can I withdraw EPF money?

Full withdrawal: age 55 (Account 1 & 2) or 60 (after retirement). Partial withdrawal Account 2: education, medical, housing. i-Saraan for retirees who are still working.

How is EPF dividend calculated?

Dividend is calculated based on monthly average balance throughout the year. Dividend rate is announced annually - average 5-6% for conventional savings. Dividend is credited directly to EPF account.

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Official Sources

Sumber Rasmi

LHDN - Tax Reliefs

Tax relief including EPF contributions

Updated: 2026

LHDN - Tax Rates

Individual income tax rates