EPF calculator 2026.
Calculate monthly EPF contributions, eligible tax relief and a retirement savings projection. Includes employer and voluntary contributions.
- Employee11%
- Employer12–13%
- EPF relief capRM 4,000
Calculate your EPF
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- Employee & employer contributions
- EPF tax relief
- Voluntary contributions
- Retirement projection
EPF contribution rates 2026
Rates depend on your monthly wage, your age and your citizenship status.
| Category | Employee | Employer |
|---|---|---|
| Below 60, wage up to RM5,000 (citizens and PRs) | 11% | 13% |
| Below 60, wage above RM5,000 (citizens and PRs) | 11% | 12% |
| 60 and above, Malaysian citizens | 0% | 4% |
| 60 and above, PRs, wage up to RM5,000 | 5.5% | 6.5% |
| 60 and above, PRs, wage above RM5,000 | 5.5% | 6% |
| Non-citizens, any age (from October 2025 wages) | 2% | 2% |
Employer contribution is additional, not deducted from your salary. Non-citizens who joined EPF before 1 August 1998 pay the PR rates; domestic workers are excluded from the 2% scheme. Up to RM20,000, KWSP charges on wage bands (RM20 wide up to RM5,000, RM100 wide above) and rounds each share up to the next ringgit. Above RM20,000 the exact percentage applies and the total is rounded up.
EPF-related tax reliefs
Three separate reliefs for retirement and protection.
| Relief | Up to |
|---|---|
| EPF contributionMandatory + voluntary (combined) | RM 4,000 |
| Private Retirement SchemePRS contributions (separate from EPF) | RM 3,000 |
| Life insurance / takafulPremiums, or additional voluntary EPF | RM 3,000 |
Questions
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Official sources
Contribution rates from KWSP (Third Schedule, EPF Act 1991). Relief limits from LHDN for YA 2025.