Malaysia EPF Calculator: Accurate, User-Friendly KWSP Contribution Calculator

The Employees Provident Fund (EPF), locally known as Kumpulan Wang Simpanan Pekerja (KWSP), is Malaysia's compulsory retirement savings scheme. Both employers and employees make regular contributions to the fund, helping employees build savings for retirement.

EPF helps Malaysian workers secure their financial future through systematic savings throughout their working lives.

Our EPF calculator Malaysia provides instant, accurate calculations for all your KWSP contribution needs. This comprehensive Malaysia EPF calculator handles everything from basic monthly salary calculations to complex scenarios like special rate eligibility.

Calculate EPF Contribution

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Need to calculate EPF for non-Malaysian employees? Our calculator automatically adjusts based on citizenship status. Managing age-based rate changes? The KWSP calculator helps you accurately compute contributions with age-appropriate rates. From standard monthly calculations to special contribution scenarios, our Malaysia EPF calculator helps you manage compliance and accuracy.

How the EPF Calculator Works

The EPF calculator Malaysia processes your employee information to provide clear contribution information that helps you manage compliance and accuracy.

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Here's how our KWSP calculator handles different scenarios:

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Base Calculations:

The EPF calculator Malaysia processes monthly salaries with standard rates of 11% for employee contributions and 13% (or 12% for salaries ≤ RM5,000) for employer contributions.

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Age Based Adjustments:

Our Malaysia EPF calculator automatically applies age-appropriate rates:

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  • Below 60 years: Standard rates
  • 60-75 years: Reduced rates
  • Age 60-75 (employee): 0%
  • Age 60-75 (employer): 4%

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Citizenship Considerations:

The KWSP calculator adjusts based on citizenship status:

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  • Malaysian Citizens: Mandatory contributions
  • Permanent Residents: Same as citizens

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Special Rate Features:

Our EPF calculator Malaysia handles special contribution scenarios:

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  • Joint share contribution rates
  • Disability-adjusted rates
  • i-Saraan program for informal sector workers

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Account Allocation:

The KWSP calculator automatically distributes contributions between:

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  • Account 1 (70%): For retirement
  • Account 2 (30%): For pre-retirement withdrawals

Key Definitions

Essential terms for using the EPF calculator Malaysia effectively.

Monthly Salary
The wages used by our KWSP calculator to determine contribution amounts, including basic wages, allowances, and other payments.
Statutory Rate
Standard contribution rates calculated by the EPF calculator Malaysia - typically 11% for employees and 13% for employers (12% if salary is RM5,000 or below).
Account 1
The portion of contributions (70%) processed by our Malaysia EPF calculator that is set aside specifically for retirement and only accessible at retirement age.
Account 2
The portion of contributions (30%) that can be withdrawn pre-retirement for specific purposes including housing, education, and medical expenses.
Disability-Adjusted Rates
Special contribution rates for employees with disabilities who have registered with the Department of Social Welfare. Employees with disabilities can choose to contribute at reduced rates (5.5% instead of 11%) while employer contribution rates remain the same. Disability-adjusted rates are optional, employees with disabilities can still contribute at the standard rate if preferred.

Calculator Instructions

Follow these simple steps to calculate CPF contributions:

Step 1: Enter employee information
  • Enter the monthly salary amount
  • Select employee's age
  • Choose citizenship status:
    • Malaysian Citizen
    • Permanent Resident
  • Indicate any special rate eligibility
  • Select employment type
Step 3: View your results
Your calculation will show:
  • Employee's contribution amount
  • Employer's contribution amount
  • Total EPF contribution
Step 2: Calculate
Click "calculate" to generate results
Step 4: View your results
Your calculation will show:
  • Employee's contribution amount
  • Employer's contribution amount
  • Total CPF contributionAccount allocation

Tips for accurate calculations:

  • Include all eligible wage components in monthly salary
  • Select the correct age bracket
  • Verify citizenship status
  • Check for any special rate eligibility

Additional factors affecting your contributions include:

  • Monthly salary amount
  • Age bracket
  • Special rate eligibility
  • Employee category

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Use this calculator to understand your monthly EPF allocation, account distribution, and take-home pay, helping you plan for retirement while maintaining compliance with KWSP regulations.

Frequently Asked Questions
(FAQs)

Is the EPF calculator for employees above 60 accurate?

Yes, our Malaysia EPF calculator automatically applies the reduced contribution rates for employees aged 60-75 (0% for employee, 4% for employer).

How much is the EPF contribution rate?

For most employees, the statutory rate is 11% of monthly salary for employees and 13% for employers (12% if salary is RM5,000 or below). Use our EPF calculator Malaysia to see exact amounts.

How to calculate salary after EPF deduction?

To calculate your net salary, subtract your employee EPF contribution from your gross salary

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