Malaysia EPF Calculator: Instantly calculate employee (11%) and employer (12%) EPF contributions based on monthly salary.
This tool helps you estimate total EPF savings and annual contribution breakdown in Malaysia.
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The Employees Provident Fund (EPF), also known as KWSP, is Malaysia's mandatory retirement savings scheme.
Both employees and employers contribute a percentage of monthly wages into the employee's EPF account.
EPF helps employees accumulate long-term retirement savings and provides financial security after leaving the workforce.
EPF works by collecting monthly contributions from both employees and employers. The employee portion is deducted from monthly salary, while the employer contribution is paid separately by the employer.
These contributions are credited into the employee's EPF account and may grow over time through annual dividends declared by EPF.
Most employees working in Malaysia are required to contribute to EPF.
Employers are also required to make contributions on behalf of eligible employees according to prevailing EPF contribution schedules.
Employee EPF contributions are deducted directly from monthly salary and therefore reduce take-home pay.
Employer EPF contributions are paid separately by employers and do not reduce employee take-home salary.
Both contributions belong to the employee and are credited into the employee's EPF account.
For many employees below 60 years old, the employee contribution rate is commonly 11% of monthly wages.
Employer contribution rates depend on salary level, employee age and applicable EPF contribution schedules.
The calculator above uses a simple estimate to show employee and employer EPF contributions for quick reference.
EPF contributions are generally calculated as a percentage of monthly salary.
Our EPF Calculator estimates monthly employee EPF, employer EPF, total monthly EPF and annual EPF savings instantly.
An employee earning RM5,000 per month may contribute approximately RM550 monthly towards EPF based on an 11% employee contribution rate.
Employers also contribute separately according to the applicable employer contribution rate.
Use the calculator above to estimate monthly and annual EPF contributions based on your salary.
EPF helps employees build retirement savings throughout their working career.
Regular contributions and dividend earnings can help Malaysians prepare for retirement and reduce financial pressure later in life.
Many employees below age 60 contribute 11% of monthly salary to EPF, subject to current regulations.
Employer EPF contribution rates depend on salary level, employee age and applicable contribution schedules.
Certain withdrawals may be allowed for housing, education, medical expenses and approved purposes.
Yes. Employer contributions are credited into the employee's EPF account.
Yes. This calculator estimates both monthly and annual EPF contributions.
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