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Quick calculator guide

How to use EPF Account 3 Restructuring & Withdrawal Simulator

Simulate the 2024 EPF 3-account restructuring initial transfer and analyze the compound dividend loss on withdrawals. Results are educational estimates, not official approval or advice.

  1. 1

    Enter EPF balances and contribution path

    Add current balances, salary, employee contribution rate, assumed dividend and any transfer or withdrawal to model.

  2. 2

    Track balances and lost growth

    Review projected account balances, contributions and the dividend growth forgone after a withdrawal.

  3. 3

    Test withdrawal and transfer choices

    Change the amount or timing while keeping return assumptions visible to compare future effects.

Before relying on the result

  • Verify actual account balances, transfer or withdrawal eligibility and current allocation rules in i-Akaun.
  • Notice the rate date and assumptions stated on the page.
  • Confirm important decisions with the relevant bank, employer, or authority.
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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.

Final Total EPF Balance

RM129,726.31

Account 1 (Retirement) balanceRM98,829.72
Account 2 (Sejahtera) balanceRM19,327.38
Account 3 (Flexible) balanceRM11,569.21

Opportunity Cost (Lost Dividends)

RM 315.70

Withdrawing RM 1,000 today will cost you an estimated RM 315.7 in compounded dividends over the next 5 years.

Transferred to Account 3 (Flexible)

RM 3,333.33

Transferred to Account 1 (Retirement)

RM 1,666.67

Account 2 (Sejahtera) Balance Post-Transfer

RM 5,000

Annual Projection Table (With Withdrawal)

YearAkaun 1 (RM)Akaun 2 (RM)Akaun 3 (RM)Annual Contributions (RM)Annual Dividends (RM)Total Balance (RM)
139,298.17,507.483,948.5814,400+2,354.1650,754.16
252,498.3110,127.665,635.7814,214+3,293.5968,261.75
366,772.6312,961.547,462.0814,640.42+4,294.0887,196.25
482,191.5116,023.159,436.6515,079.63+5,375.44107,651.32
598,829.7219,327.3811,569.2115,532.02+6,542.97129,726.31

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 restructuring transfers are modeled exactly under official EPF 2024 opt-in regulations.

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

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Salary Calculator Malaysia→EPF Dividend & Retirement Projections→
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