Calculate employee and employer EPF contributions instantly for FREE.
The Employees Provident Fund (EPF), or KWSP, is a mandatory retirement savings scheme in Malaysia designed to ensure long-term financial security for employees. Both workers and employers contribute a portion of the monthly salary into the individual's account.
Contributions are automatically deducted from your monthly gross salary. The rates are statutory but vary based on age, monthly income level, and citizenship status.
A standard percentage (usually 11% for those below 60) is deducted directly from your monthly payslip.
Employers provide an additional contribution (12% to 13%) on top of your base salary, deposited into your account.
Calculation is simple: multiply your gross monthly salary by the applicable employee and employer rates. For most Malaysians earning below RM5,000, the employer rate is 13%.
Reference table for standard monthly contribution amounts based on gross income for Malaysian citizens below age 60.
| Monthly Salary | Employee (11%) | Employer (12-13%) |
|---|---|---|
| RM 2,000 | RM 220 | RM 260 |
| RM 3,000 | RM 330 | RM 390 |
| RM 5,000 | RM 550 | RM 650 |
| RM 8,000 | RM 880 | RM 960 |
| RM 10,000 | RM 1,100 | RM 1,200 |
EPF contributions are legally mandatory for all eligible employees in Malaysia. Failure to comply can result in significant legal consequences for employers.
Yes. Employers who fail to contribute by the 15th of each month face heavy fines, penalties, and potential legal action.
EPF contributions are calculated based on your gross monthly salary, age group and nationality. Both employee and employer contribute every month.
| Category | Employee (%) | Employer (%) |
|---|---|---|
| Malaysian below 60, salary ≤ RM5,000 | 11% | 13% |
| Malaysian below 60, salary > RM5,000 | 11% | 12% |
| Malaysian age 55–60 | 5.5% | 6% |
| Malaysian above 60 | 5.5% | 6% |
| Foreigner | 2% | RM5/month |
Monthly Contribution Amounts:
| Salary | Employee | Employer | Total |
|---|---|---|---|
| RM 1,500 | RM 165.00 | RM 195.00 | RM 360.00 |
| RM 1,700 | RM 187.00 | RM 221.00 | RM 408.00 |
| RM 2,000 | RM 220.00 | RM 260.00 | RM 480.00 |
| RM 3,000 | RM 330.00 | RM 390.00 | RM 720.00 |
| RM 5,000 | RM 550.00 | RM 650.00 | RM 1,200.00 |
| RM 8,000 | RM 880.00 | RM 960.00 | RM 1,840.00 |
| RM 10,000 | RM 1,100.00 | RM 1,200.00 | RM 2,300.00 |
| RM 15,000 | RM 1,650.00 | RM 1,800.00 | RM 3,450.00 |
Annual EPF Savings:
| Salary | Employee | Employer | Total Annual Savings |
|---|---|---|---|
| RM 2,000 | RM 2,640 | RM 3,120 | RM 5,760 |
| RM 3,000 | RM 3,960 | RM 4,680 | RM 8,640 |
| RM 5,000 | RM 6,600 | RM 7,800 | RM 14,400 |
| RM 8,000 | RM 10,560 | RM 11,520 | RM 22,080 |
| RM 10,000 | RM 13,200 | RM 14,400 | RM 27,600 |
Included:
Not Included:
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