KWSP/EPF compound calculator Malaysia 2026
Project your EPF balance to age 55 using current salary, statutory contribution rates and dividend assumptions.
How much could your KWSP/EPF savings become by age 55? The answer depends on your current balance, monthly salary, contribution rate, age and dividend assumption. This calculator starts with your existing EPF savings, adds projected annual contributions from employee and employer shares, then compounds the balance once per year using the selected dividend rate. For a Malaysian employee below 60, KWSP’s public contribution schedule shows an 11% employee share and an employer share of 13% when monthly salary is RM5,000 or below, or 12% when salary is above RM5,000. The default dividend is loaded from the latest KWSP dividend data in this project’s sourced file. The chart separates your own contributions from dividend growth so you can see how much of the final amount comes from saving versus compounding. It is a projection, not financial advice.
Source: KWSP dividend and contribution data in epf_dividends.json.
Q.What dividend does it use?
The default is the latest KWSP dividend in the sourced data file, editable by slider.
Q.Does salary grow yearly?
No. Phase 1 keeps salary constant so the compounding effect is easier to inspect.
Q.Is this retirement advice?
No. It is a projection tool for planning, not financial advice.