EPF Retirement Savings Calculator (KWSP)

It depends on your balance, your pay and the dividend. At 30, with RM50,000 in EPF and a RM4,000 salary, you and your employer put in RM960 a month. At a 6.15% dividend that grows to about RM886,065 at 55 and RM1,261,139 at 60, if your pay never rises. These are future ringgit, worth less than today's, so compare with care.

EPF's Retirement Income Adequacy framework, in force from 1 January 2026, sets three levels at age 60: Basic Savings of RM390,000, Adequate of RM650,000 and Enhanced of RM1.3 million. EPF is phasing in the new Basic Savings figure, reported as RM290,000 in 2026 rising to RM390,000 by 2028. The old benchmark was RM240,000 at 55.

EPF paid 6.15% for 2025 on both conventional and Shariah savings, and 6.30% for 2024. Over the last five years conventional savings averaged 5.88% and Shariah 5.65%. A lower rate gives a safer plan: the table under the result shows your balance at 5%, the five-year average and the 2025 rate.

Since 11 May 2024 each new contribution is split three ways: 75% to Akaun Persaraan for retirement, 15% to Akaun Sejahtera for housing, education, health and hajj, and 10% to Akaun Fleksibel, which you can withdraw at any time. A RM960 monthly contribution puts RM720, RM144 and RM96 into the three accounts. Withdrawing from Akaun Fleksibel lowers what you have at retirement.

Yes. At 55 your accounts are combined into Akaun 55, which you can take out in full, in part, or as monthly payments. If you keep working, new contributions go to Akaun Emas, which you can withdraw from 60. Money you leave in EPF keeps earning dividends.