EPF Account 3 Restructuring & Withdrawal Simulator
Simulate the one-off restructure transfer from Account 2 to Account 3 (Akaun Fleksibel) and project balances and compound dividend costs on withdrawals.
Applications closed on 31 August 2024.
Final Total EPF Balance
RM131,042.02
Account 1 (Retirement) balanceRM96,636.88
Account 2 (Sejahtera) balanceRM25,905.90
Account 3 (Flexible) balanceRM8,499.24
Opportunity Cost (Lost Dividends)
RM 0.00
Withdrawing RM 1,000 today will cost you an estimated RM 0 in compounded dividends over the next 5 years.
Annual Projection Table (With Withdrawal)
| Year | Akaun 1 (RM) | Akaun 2 (RM) | Akaun 3 (RM) | Annual Contributions (RM) | Annual Dividends (RM) | Total Balance (RM) |
|---|---|---|---|---|---|---|
| 1 | 37,537.42 | 12,789.52 | 1,483.63 | 14,400 | +2,410.57 | 51,810.57 |
| 2 | 50,638.31 | 15,707.65 | 3,031.78 | 14,214 | +3,353.18 | 69,377.75 |
| 3 | 64,807.71 | 18,856.29 | 4,711.2 | 14,640.42 | +4,357.03 | 88,375.2 |
| 4 | 80,115.76 | 22,250.41 | 6,530.6 | 15,079.63 | +5,441.94 | 108,896.77 |
| 5 | 96,636.88 | 25,905.9 | 8,499.24 | 15,532.02 | +6,613.22 | 131,042.02 |
Assumptions
- Account 1 balance is estimated based on historical 70/30 ratios relative to your Account 2 input.
- Monthly contribution splits follow standard EPF guidelines effective May 2024: Account 1 (75%), Account 2 (15%), Account 3 (10%).
- Dividends are compounded monthly in this simulation using the annual dividend rate provided.
- Initial transfer amounts follow KWSP's 2024 opt-in formula exactly: 10/30 to Akaun Fleksibel, 5/30 to Akaun Persaraan and 15/30 retained at RM3,000 and above; a flat RM1,000 between RM1,000 and RM3,000.
This calculator provides estimates only. KiraSmart is not financial advice. Please verify with official sources or professionals before making decisions. Read full disclaimer
Information last reviewed: 2026-05-27 · Result type: official-rate implementation
Frequently Asked Questions
What is EPF Account 3?
EPF Account 3 (Akaun Fleksibel) was introduced in May 2024 to provide short-term financial flexibility. Contributions are split: 75% to Account 1, 15% to Account 2, and 10% to Account 3.
How can I withdraw from Account 3?
Members can withdraw a minimum of RM50 from Account 3 at any time via the KWSP i-Akaun mobile app or at any EPF branch.