Project your EPF balance at 50, 55 and 60, test voluntary top-ups, and see how long your savings may support your monthly retirement spending.
This EPF projection calculator Malaysia helps you estimate how your KWSP savings may grow over time using your current balance, monthly contribution, salary increment, voluntary top-up and dividend assumption.
Use it as a practical EPF retirement calculator to compare your balance with and without extra savings, then check how long your projected EPF balance may last after inflation-adjusted retirement spending.
Calculating your projected balance and spending runway...
This shows the difference between continuing as-is and adding the voluntary monthly top-up.
| Age | Without extra top-up | With extra top-up |
|---|
This separates what you contributed from the estimated dividend growth created over time.
A simple runway ignores future dividends. The dividend-adjusted runway assumes your remaining balance continues earning the selected dividend while you withdraw monthly spending.
Enter your monthly spending to estimate runway.
Enter your monthly spending to estimate runway.
| Method | Without top-up | With top-up |
|---|
These are estimated monthly withdrawals from retirement designed to last until age 85 or 90, using the selected dividend assumption.
| Target | Without top-up | With top-up |
|---|
Use these benchmarks as a quick sense-check for your dividend, salary increment and inflation assumptions.
| Scenario | Dividend | Salary increment | Inflation |
|---|---|---|---|
| Conservative | 4.0% | 2.0% | 4.0% |
| Base | 5.5% | 4.0% | 3.0% |
| Optimistic | 6.5% | 5.0% | 2.5% |
A few quick notes on how this KWSP projection and retirement runway estimate works.
It projects your current EPF balance using your selected dividend rate, monthly EPF contribution, salary increment assumption and voluntary top-up. The projection uses an EPF-style annual dividend estimate: monthly balances accrue dividend during the year, contributions start earning from the following month, and dividend is credited annually. EPF's actual dividend calculation uses the Modified Aggregate Daily Balance concept and annual dividend crediting.
In salary mode, it uses the statutory benchmark rate for Malaysian employees: before age 60, 24% if monthly salary is RM5,000 or below and 23% if salary is above RM5,000; from age 60 onward, 4%. This is an approximate headline-rate estimate. Actual payroll EPF contributions may differ slightly because employers normally follow the KWSP Third Schedule contribution table and rounding rules. Manual mode lets you enter your own monthly EPF contribution.
Yes. Salary mode grows future EPF contributions once per projection year using your salary increment assumption. Manual contribution mode keeps the monthly contribution constant unless you change it.
No. This calculator shows total EPF balance only because a reliable split requires your actual Akaun Persaraan, Akaun Sejahtera and Akaun Fleksibel balances. Showing a split from total balance alone can be misleading.
Yes. Enter a planned withdrawal at age 55 and the projection will reduce your estimated balance from age 55 onward.
Your retirement spending input is treated as today's amount. The calculator inflates that amount to your selected retirement start age, then holds the inflated monthly burn rate fixed during the runway estimate.
The calculator caps recurring monthly voluntary top-up projections at RM8,333 per month, equivalent to the RM100,000 annual voluntary contribution limit.
The dividend-adjusted runway assumes your remaining EPF balance continues earning the selected dividend rate while you withdraw monthly spending. The simple runway ignores future dividends after retirement.
No. This is an independent planning calculator for estimation only. Visit kwsp.gov.my or speak to a licensed financial planner for personalised advice.