EPF Contribution Calculator Malaysia
Calculate employee EPF, employer EPF and total monthly retirement savings instantly based on your salary.
EPF is calculated from your monthly wage according to Malaysian rules.
RELATED TOOLS: Malaysia Salary Tax Calculator · SOCSO Calculator · Loan Installment Calculator
What is EPF in Malaysia?
EPF (Employees Provident Fund), also known as KWSP, is Malaysia’s mandatory retirement savings scheme for private-sector workers. Both employee and employer contribute every month.
This EPF Calculator shows:
Employee EPF (usually 11%)
Employer EPF (usually 13%)
Total monthly contribution
Total annual contribution (if multiplied by 12)
How EPF Is Calculated?
The calculation is simple:
Employee EPF = Salary × Employee Rate (11%)
Employer EPF = Salary × Employer Rate (13%)
Example:
Salary = RM 3,000
Employee 11% = RM 330
Employer 13% = RM 390
Total EPF = RM 720
Who Should Use This EPF Calculator?
Employees (monthly salary workers)
Freelancers under voluntary EPF
HR payroll staff
Foreign workers under EPF contributions
Students checking their future salary
EPF Rates in Malaysia (Standard)
| Contribution | Percentage |
|---|---|
| Employee | 11% |
| Employer | 13% (salary < RM 5,000) |
| Employer | 12% (salary > RM 5,000) |
FAQ – EPF Malaysia
1. Is EPF mandatory?
Yes, for Malaysian employees in the private sector.
2. Does EPF reduce my income tax?
Yes – which is why we link it to your Salary Tax Calculator.
3. Does employer EPF count as my salary?
No. Employer EPF is not part of taxable salary.
4. How much EPF will I have in 10 years?
Take your monthly EPF × 12 × years.
For compound interest, we can build another tool if you want.