Financial Tools

💰 EPF Growth Calculator Malaysia

Calculate your EPF savings and retirement projection. Includes contribution calculations, salary growth, and dividend projections.

EPF Details

Real-time calculation

Monthly Salary (RM)

Current EPF Balance (RM)

Employee Contribution Rate

11%

0%20%

Employer Contribution Rate

12%

0%20%

Years Until Retirement

1 year40 years

Expected Annual Salary Increment

0%30%

Expected Annual EPF Dividend Rate

5.5%

0%20%

Monthly Voluntary Contribution (RM)

EPF Summary

Projected EPF Balance (after 30 years)

Enter EPF details

ContributionsDividends

50%50%

Monthly Contribution

—

Total Contributions

—

Employee Contribution—

Employer Contribution—

Total Dividends—

Enter EPF details to see your estimated projections

EPF Growth Calculator FAQ

EPF dividends are calculated on a monthly basis and credited annually. The dividend is prorated based on your account balance throughout the year. This means that any withdrawals or additional contributions during the year will affect the final dividend amount. We factored this in the calculator.

Your EPF contribution are automatically allocated to Account 1 (70%), Account 2 (20%) and Account 3 (10%) respectively.

Account 1: For retirement savings, with withdrawals allowed at age 50 (partial) and 55 (full).

Account 2: For specific purposes like housing, education, and medical expenses before retirement.

Account 3: Provides flexible withdrawals at any time for short-term needs.

EPF withdrawals are permitted under specific conditions: partial withdrawal at age 50, full withdrawal at age 55, or for designated purposes such as housing, education, and medical expenses. Account 3 allows flexible withdrawals at any time. As of 2025, members can withdraw any amount exceeding RM1 million without age restrictions.