KWSP / EPF Projection Calculator
Project your Kumpulan Wang Simpanan Pekerja (KWSP / Employees Provident Fund) balance at retirement.
What it computes
Given:
- Current EPF balance
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- Monthly salary (employee + employer contribution rates apply automatically)
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- Years to retirement
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- Annual dividend rate (default 6.0% — historically KWSP has paid 5.0–6.5%; editable)
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Optional i-Saraan voluntary contributions (capped at RM 100,000 per calendar year under the EPF Act)
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…MYkira computes your projected balance, total cumulative contributions (employee + employer + voluntary), and total dividends earned over the projection horizon.
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Malaysian rules encoded
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- Employee contribution rate: 11% of basic salary (default; editable for self-employed or special cases)
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- Employer contribution rate: 12% (default; 13% for salaries below RM 5,000) — editable
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- i-Saraan / voluntary contribution cap: RM 100,000 per calendar year, effective Budget 2024 / EPF Act amendment
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Default dividend assumption: 6% (close to KWSP’s historical average) — fully editable to model conservative/optimistic scenarios
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Example
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Scenario: RM 50,000 current balance, RM 6,000 monthly salary, 25 years to retirement, 6.0% annual dividend, no voluntary contributions.
- MYkira output:
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- Projected balance at retirement: ~RM 980,000
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- Total contributions (employee + employer): ~RM 414,000
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Total dividends earned: ~RM 516,000
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Free vs Premium
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KWSP / EPF projection is a Premium calculator. Unlock with a Monthly (RM 7.90), Yearly (RM 79.90), or Lifetime (RM 399.90) subscription.
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Privacy
- Your salary, balance, and projection inputs stay on your device. MYkira does not transmit anything to a server.
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