Calculate Your EPF
Enter your monthly salary and select your employee category.
This tool gives a simplified EPF estimate. Actual KWSP contribution may follow the official contribution schedule, wage category and payroll rounding rules.
Your EPF result
Estimated total monthly EPF contribution
Applied common EPF rates.
How EPF Is Calculated in Malaysia
EPF, also known as KWSP, is usually calculated based on your monthly wages and the applicable employee and employer contribution rates. Employee EPF is deducted from salary, while employer EPF is paid by the employer on top of salary.
Employee EPF
Common employee contribution rate for Malaysian citizens and PR below age 60.
Employer EPF
Common employer contribution rate when monthly wages are RM5,000 and below.
Employer EPF
Common employer contribution rate when monthly wages are above RM5,000.
EPF Savings
Use the annual estimate to understand your yearly retirement savings.
EPF Contribution Snapshot 2026
The table below shows quick percentage-based estimates using 11% employee EPF and common employer rates of 13% for RM5,000 and below, and 12% for above RM5,000.
| Monthly Salary | Employee EPF | Employer EPF | Total EPF |
|---|---|---|---|
| RM2,000 | RM220.00 | RM260.00 | RM480.00 |
| RM3,000 | RM330.00 | RM390.00 | RM720.00 |
| RM4,000 | RM440.00 | RM520.00 | RM960.00 |
| RM5,000 | RM550.00 | RM650.00 | RM1,200.00 |
| RM6,000 | RM660.00 | RM720.00 | RM1,380.00 |
| RM8,000 | RM880.00 | RM960.00 | RM1,840.00 |
| RM10,000 | RM1,100.00 | RM1,200.00 | RM2,300.00 |
Note: This table is a simplified quick reference. Actual EPF contributions may differ based on the official KWSP contribution schedule.
What This EPF Calculator Shows
This calculator is designed to help you understand both the salary deduction side and the employer contribution side of EPF. This is useful when checking payslips, comparing job offers, estimating salary cost or planning long-term savings.
Employee EPF
Amount deducted from your monthly salary and contributed into your EPF account.
Employer EPF
Additional contribution paid by your employer on top of your salary.
Salary After EPF
Estimate your salary after employee EPF deduction before other deductions.
Annual EPF
Estimate yearly employee EPF and total EPF contribution for planning.
Who Should Use This EPF Calculator?
- Employees checking monthly EPF deduction from salary
- Job seekers comparing salary offers and take-home pay
- Employers estimating employer EPF contribution
- HR and payroll users preparing quick payroll estimates
- Malaysians planning retirement savings and annual EPF contribution
Official EPF / KWSP Resources
EPF rules, contribution rates and payroll requirements may change over time. For official confirmation, always refer to KWSP resources or consult a qualified payroll professional.
KWSP Mandatory Contribution
Official employer responsibility and contribution information.
EPF Act Third Schedule
Official schedule reference for EPF contribution rates.
KWSP Contribution Calculator
Official KWSP contribution calculator for reference.
Frequently Asked Questions
How is EPF calculated in Malaysia?
EPF is generally calculated based on monthly wages and the applicable employee and employer contribution rates. This calculator uses percentage-based estimates for easier planning.
Is employer EPF deducted from my salary?
No. Employee EPF is deducted from your salary. Employer EPF is an additional contribution paid by your employer on top of your salary.
Why is my actual EPF different from this calculator?
Actual EPF may follow the official KWSP contribution schedule, wage category and payroll rounding rules, so it may differ from a simple percentage calculation.
Does EPF affect take-home pay?
Yes. Employee EPF reduces your monthly take-home pay because it is deducted from your salary, but the amount goes into your EPF retirement savings account.
Does this calculator include SOCSO, EIS and PCB?
No. This page focuses on EPF only. To estimate EPF together with SOCSO, EIS and PCB, use the full Malaysia salary calculator.
What is the common employer EPF rate in Malaysia?
For Malaysian citizens and permanent residents below age 60, a common employer EPF rate is 13% for monthly wages of RM5,000 and below, and 12% for monthly wages above RM5,000.
Malaysia Payroll Guides
Learn more about EPF, SOCSO, EIS, PCB and salary deductions in Malaysia.
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