💼 EPF/KWSP Calculator Malaysia 2026
Kalkulator KWSP | Employee Provident Fund Guide
Contribution Rates, Dividend, Withdrawal Schemes & Retirement Calculator
📊EPF Malaysia Statistics 2026 | Statistik KWSP
Total Members
15.5M
Ahli KWSP
Total Assets
RM1.1T
Trillion Ringgit
2024 Dividend
5.50%
Conventional
Shariah Dividend
5.40%
Simpanan Shariah
🧮EPF Contribution Calculator | Kalkulator Caruman KWSP
📊EPF Contribution Rates 2026 | Kadar Caruman KWSP
| Category | Kategori | Employee | Pekerja | Employer | Majikan | Total | Jumlah |
|---|---|---|---|
| Below 60, Salary ≤ RM5,000 | 11% | 13% | 24% |
| Below 60, Salary > RM5,000 | 11% | 12% | 23% |
| Age 60 and above | 5.5% | 6.5% | 12% |
| Foreign Workers (Mandatory) | 11% | RM5 flat | - |
Example: RM3,000 Salary
Employee (11%): RM330
Employer (13%): RM390
Total/month: RM720
Total/year: RM8,640
Example: RM5,000 Salary
Employee (11%): RM550
Employer (13%): RM650
Total/month: RM1,200
Total/year: RM14,400
Example: RM10,000 Salary
Employee (11%): RM1,100
Employer (12%): RM1,200
Total/month: RM2,300
Total/year: RM27,600
💰EPF Dividend History | Sejarah Dividen KWSP
| Year | Conventional | Shariah | Total Payout |
|---|---|---|---|
| 2024 | 5.50% | 5.40% | RM55 billion |
| 2023 | 5.50% | 5.40% | RM53 billion |
| 2022 | 5.35% | 5.25% | RM48 billion |
| 2021 | 6.10% | 5.65% | RM51 billion |
| 2020 | 5.20% | 4.90% | RM43 billion |
| 2019 | 5.45% | 5.00% | RM46 billion |
🏦EPF Account Structure | Struktur Akaun KWSP
Account 1 | Akaun 1
For Retirement | Untuk Persaraan
- ✓Withdrawable at age 55/60
- ✓Can invest in approved funds (Members Investment Scheme)
- ✓Emergency withdrawal (limited conditions)
- ✓Flexible Account (new) for flexibility
Account 2 | Akaun 2
Pre-Retirement | Sebelum Persaraan
- ✓Housing withdrawal (buy/reduce loan)
- ✓Education (self/children)
- ✓Health/Medical expenses
- ✓Age 50 partial withdrawal
💳EPF Withdrawal Schemes | Skim Pengeluaran KWSP
Age 55 Withdrawal
Full withdrawal of Account 1 & 2. Can choose lump sum or periodic withdrawal.
Housing Withdrawal
Account 2 for house purchase, construction, or reduce housing loan balance.
Education Withdrawal
Account 2 for self or children's approved higher education programs.
Health Withdrawal
Account 2 for critical illness treatment for self or family members.
Incapacitation
Full withdrawal if permanently unable to work due to physical/mental disability.
Leaving Malaysia
Full withdrawal for those permanently leaving Malaysia (non-citizens).
Age 50 Withdrawal
Partial withdrawal from Account 2 upon reaching age 50.
Death Withdrawal
Full withdrawal by registered nominees or legal heirs upon member's death.
Flexible Account
New feature: Withdraw from Flexible Account portion anytime (conditions apply).
🏖️Retirement Projection | Unjuran Persaraan
EPF Basic Savings Target | Sasaran Simpanan Asas
Retirement Adequacy | Kecukupan Persaraan
Recommended retirement savings:
RM240,000 - RM600,000+
For 20 years of retirement
Monthly income needed:
RM1,000 - RM2,500/month
Basic lifestyle in Malaysia
➕Voluntary Contribution | Caruman Sukarela
i-Saraan (Self-Employed)
For self-employed, freelancers, housewives, students
- • Minimum: RM1/month
- • Maximum: RM60,000/year
- • Government matching: 15% (max RM250/year)
- • Tax relief up to RM4,000
i-Suri (Housewives)
Special scheme for registered housewives
- • Minimum: RM5/month
- • Government matching: 15% (max RM250/year)
- • Register via e-Daftar
- • Build retirement savings
❓EPF FAQ | Soalan Lazim KWSP
What is EPF dividend rate 2024?▼
KWSP mengumumkan 5.50% konvensional dan 5.40% Shariah untuk 2024. Dividen dikecualikan cukai.
Can I contribute more than 11%?▼
Ya! Boleh tingkatkan melalui majikan atau i-Saraan sehingga RM60,000/tahun.
How to check EPF balance?▼
Semak melalui i-Akaun, laman web KWSP, kiosk, atau hubungi 03-8922 6000.
Is EPF savings taxable?▼
Caruman dapat pelepasan cukai RM4,000. Dividen dan pengeluaran dikecualikan cukai.
What is Flexible Account?▼
Ciri baru KWSP membolehkan pengeluaran sebahagian bila-bila masa. Sebahagian Akaun 2 kini Akaun Fleksibel.
Can foreigners contribute to EPF?▼
Pekerja asing: 11% pekerja, RM5 majikan. PR: Sama seperti warganegara.
🔗Official Resources | Sumber Rasmi
🔍 Popular EPF Searches | Carian KWSP Popular
English Searches
- • epf calculator malaysia
- • kwsp dividend 2024
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Carian Bahasa Malaysia
- • kalkulator kwsp
- • dividen kwsp 2024
- • kadar caruman kwsp
- • pengeluaran kwsp umur 55
- • akaun 1 dan 2 kwsp
- • cara daftar i-akaun
- • pengeluaran perumahan
- • i-saraan kwsp
Withdrawal Related
- • flexible account epf
- • epf education withdrawal
- • epf health withdrawal
- • epf incapacitation
- • epf death claim
- • epf nominee
- • epf statement
- • epf transfer
Investment Related
- • epf investment scheme
- • epf approved funds
- • epf vs asb
- • epf interest rate
- • epf simpanan shariah
- • epf tax relief
- • epf basic savings
- • epf retirement planning
🔗 Official EPF Resources | Sumber KWSP Rasmi
💰Withdrawal Schemes
📱Contact & App
- 📞 KWSP Line: 03-8922 6000
- → Contact Information
- → i-Akaun App (iOS)
- → i-Akaun App (Android)