EPF Retirement Savings Projection Calculator
Estimate how much you'll have in your EPF (KWSP) account at retirement, based on your current savings, monthly contributions and expected annual dividend.
EPF full withdrawal age is 55/60.
EPF history ~5–6.5%.
Projected EPF at Retirement
RM1,673,437.45
KWSP 2026 Retirement Adequacy
Your projected balance at age 60: RM 1,673,437. Compare it with KWSP's 2026 Retirement Income Adequacy (RIA) targets.
Basic Savings
Age-60 target: RM 270,000
Adequate Savings
Age-60 target: RM 650,000
Enhanced Savings
Age-60 target: RM 1,300,000
This is a projection based on your inputs, not a guarantee or financial advice. Official KWSP source
Assumptions
- Employee contribution defaults to 11%; employer is 13% for wages up to RM5,000, otherwise 12%.
- Official wage-table bands are used up to RM20,000; wages above RM20,000 use the applicable percentage directly.
- The expected annual dividend is your own assumption — actual EPF dividends vary each year and are not guaranteed.
- Each year's dividend applies to the opening balance; that year's new contributions are added afterwards (a conservative simplification).
- Excludes voluntary top-ups (i-Saraan, i-Akaun) and any withdrawals.
- Retirement adequacy compares the projected age-60 balance with KWSP's 2026 RIA Basic, Adequate and Enhanced targets.
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: 2026-07-18 · Result type: user-input estimate
Frequently Asked Questions
How is my EPF retirement savings projected?
What dividend rate should I use?
Does this include voluntary top-ups like i-Saraan?
Related Calculators
The EPF (KWSP) is the backbone of retirement savings for most Malaysians. Each month, employees contribute 11% of wages and employers add 12–13%, and the balance grows with an annual dividend (historically around 5–6.5%).
How your savings grow
The power of EPF is compounding: each month's contributions are added to a growing balance, and the dividend is calculated on the whole balance every year. Over decades, the accumulated dividends often exceed the total you contributed yourself. There is no RM20,000 contribution ceiling: statutory wage bands apply up to that amount, and percentage-based contributions with total-remittance rounding apply above it.
How much do you need?
EPF publishes a Basic Savings target by age as a minimum guide. Many planners aim for a balance that can replace a large share of their monthly expenses throughout retirement. Voluntary top-ups (i-Saraan, i-Akaun) can meaningfully speed this up, especially for the self-employed.
Project your balance at retirement with the EPF Retirement Projection calculator above , or see how the dividend compounds over time with the EPF Dividend calculator.
EPF dividends are declared each year and are not guaranteed; any projection uses your own assumptions.