EPF calculator Malaysia (KWSP 3-Account 2024)
Calculate Malaysian EPF monthly contributions (11% employee / 12%-13% employer) and Akaun Persaraan, Sejahtera, and Fleksibel splits. Free.
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About this tool
Calculate monthly KWSP contributions and explore the 75%/15%/10% distribution across Akaun 1, 2, and 3.
How to use it
- 1 Enter your basic monthly salary.
- 2 Select your employee contribution rate (standard 11% or reduced 9%).
- 3 Adjust the expected annual KWSP dividend rate to project future compounding interest.
Questions
What are the percentages for the new KWSP 3-account structure?
Monthly contributions are divided into: Akaun Persaraan (75%), Akaun Sejahtera (15%), and Akaun Fleksibel (10%).
What is Akaun Fleksibel (Akaun 3) in KWSP?
Introduced in May 2024, Akaun Fleksibel receives 10% of your monthly EPF contributions and allows unconditional withdrawals anytime for emergency needs.
What is the employer EPF contribution rate?
Employers contribute 13% for employees earning RM 5,000 and below per month, and 12% for employees earning above RM 5,000.
Is my data uploaded?
No. This tool runs in your browser, so your text and files never reach our server.
Is this tool free?
Yes. It’s free to use with no sign-up and no limits for normal use.
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