EPF calculator for Malaysia (kalkulator KWSP): your balance at 55 and 60
Work out what your EPF (KWSP) balance could be at 55 and at 60 in ringgit, how new contributions are split between the three accounts, and what stopping work early does to it.
Figures in ringgit (RM), for Malaysian citizens. The rates, accounts, ages and dividends are KWSP's own; the wage growth and dividend you enter are your assumptions, not forecasts.
The age, wage, balance, wage growth and dividend are an example: replace them with your own, from your EPF statement. Jump to the inputs.
Stopping work at 45, with a 6.15% dividend, your EPF balance at 55 could be
RM1,096,340
That is RM705,317 in today's ringgit, at 1.78% inflation. At 60 it could be RM1,477,561, or RM870,306 in today's ringgit.
- Paid in each month, today
- RM1,380
- 11% from you and 12% from your employer, rounded up to the next ringgit.
- New contributions to 55
- RM308,088
- Paid in before any dividend, at the wage you set growing 3% a year.
- Balance now
- RM50,000
- One number: the page does not split it between the accounts.
Where the new contributions go
The RM308,088 paid in to 55 is credited 75% to Akaun Persaraan, 15% to Akaun Sejahtera and 10% to Akaun Fleksibel, before any dividend.
- Akaun Persaraan
- RM231,066
- Akaun Sejahtera
- RM46,213
- Akaun Fleksibel
- RM30,809
What stopping at 45 costs your EPF
Contributions stop with your wage. If you kept working and contributing until 60 instead, your balance at 55 would be RM1,494,265, which is RM397,925 more than RM1,096,340.
At 60 the difference is RM749,620: RM2,227,180 against RM1,477,561. The balance you stop with keeps earning the dividend; what is lost is the contributions that would have been added.
Balances are in ringgit of each year, except the lines that say today's ringgit. Not modelled: i-Saraan, voluntary contributions, the PRS, housing, education and other withdrawals, the age-50withdrawal, your employer's own scheme, tax, and a balance split between accounts. The link carries your figures after the #, so you can save or share it. Your figures are not sent to us.
The contribution rates the calculator uses
KWSP's mandatory contribution rates for a Malaysian citizen, from the Third Schedule that took effect on 1 October 2025:
| Age and wage | You (employee) | Employer |
|---|---|---|
| Under 60, wage RM5,000 and below | 11% | 13% |
| Under 60, wage above RM5,000 | 11% | 12% |
| 60 and over, any wage | 0% | 4% |
KWSP rounds the total contribution of a month up to the next ringgit. It uses exact percentages only above RM20,000 a month; below that its schedule works in narrow wage bands. The calculator applies the percentage at every wage. The schedule gives one figure for each band of wages, and in the bands the desk read it is worked on the top of the band, so below RM20,000 a month your actual contribution can be higher than this page shows, by more than a ringgit or two. Check your payslip or EPF statement. Your wage is checked against the RM5,000 line each year as it grows.
The three accounts, and the ages that matter
Akaun Persaraan is for the long term: the retirement account. Akaun Sejahtera is for needs before retirement, such as housing, education, health, insurance and Hajj, and for the age-50withdrawal. Akaun Fleksibel is for short-term needs and can be withdrawn at any time under KWSP's terms.
New contributions are split 75 / 15 / 10 between them. The calculator treats your balance as one number.
- At 50: one partial withdrawal from Akaun Sejahtera, applied for once. The amount is not modelled.
- At 55: all three accounts are consolidated into Akaun 55, which you can take in full at any time or as monthly i-Emas payments. Contributions after 55 go into Akaun Emas.
- At 60: Akaun Emas can be withdrawn. Contributions can be made until 75.
The dividends KWSP has declared
Rates KWSP declared for each year, a year, for Simpanan Konvensional (conventional savings) and Simpanan Shariah. The minimum dividend for Simpanan Konvensional is 2.50%. These are past rates; the calculator opens on the latest and you can change it. Nothing here forecasts a future dividend.
| Year | Konvensional | Shariah |
|---|---|---|
| 2025 | 6.15% | 6.15% |
| 2024 | 6.30% | 6.30% |
| 2023 | 5.50% | 5.40% |
| 2022 | 5.35% | 4.75% |
| 2021 | 6.10% | 5.65% |
| 2020 | 5.20% | 4.90% |
| 2019 | 5.45% | 5.00% |
| 2018 | 6.15% | 5.90% |
| 2017 | 6.90% | 6.40% |
| 2016 | 5.70% | none declared |
Stopping work early, and what is left out
If you stop work at 40 or 45 you stop contributing, because the contribution is a share of your wage. The calculator shows the balance at 55 and 60 both ways, with the contributions stopping at the age you set and with them running to 60, and the difference. It does not say whether stopping is wise; it shows the size of what changes in the EPF.
Timing is this page's own simplification, not KWSP's method: each month's contribution is paid at the month's end and earns the dividend from the next month, and a year's dividend is added once at the year's end. Not modelled: i-Saraan, voluntary contributions, the PRS, withdrawals for housing, education and other purposes, the age-50withdrawal amount, an employer's own scheme, and tax. KWSP also publishes Retirement Income Adequacy tiers (basic, adequate and enhanced); the calculator does not model them.
Questions people ask
- How much goes into my EPF each month?
- For a Malaysian citizen under 60 you pay 11% of your wage and your employer pays 13% if the wage is RM5,000 or below, or 12% above that. KWSP rounds the total up to the next ringgit. From 60 the employee share is 0% and the employer's is 4%.
- What is the 75 / 15 / 10 split?
- Since 11 May 2024 each new contribution is credited 75% to Akaun Persaraan, 15% to Akaun Sejahtera and 10% to Akaun Fleksibel. This page shows the split of the contributions you will pay in; it treats the balance you already hold as one number and does not split it.
- What dividend should I assume?
- The calculator opens on 6.15%, the rate KWSP declared for Simpanan Konvensional for 2025. That is a past rate, not a forecast: the table below shows how it has moved, and you can change it. KWSP sets a minimum of 2.50% for Simpanan Konvensional.
- What happens to my EPF if I stop work at 40 or 45?
- Contributions stop because they are a share of your wage. The balance already in the EPF keeps earning the dividend, but the monthly payments that would have been added are gone. The calculator shows the balance at 55 and 60 with and without those payments, and the difference between them.
- Does this work for non-citizens and permanent residents?
- No. The rates on this page are the ones for Malaysian citizens. Permanent residents follow the same rows below 60 but differ from 60, and non-citizens registered from 1 August 1998 have their own rates. This calculator models none of those.
Sources: KWSP's mandatory contribution rates, account split, withdrawal ages and dividend rates, as read from KWSP's own pages in a browser. This is general information, not financial or tax advice; your EPF statement and your own situation decide what applies to you.