EPF calculator 2026
The EPF calculator shows the exact KWSP amounts deducted from your salary and added by your employer. Contributions follow the Third Schedule of the EPF Act 1991: 11% from you and 13% from your employer on wages up to RM5,000, or 12% from the employer above that.
On RM 5,000.00 you contribute RM 550.00 and your employer adds RM 650.00, so RM 1,200.00 goes into your account every month.
Estimate only. Your employer's payslip and LHDN remain authoritative.
How EPF contributions are calculated
EPF is not a straight percentage of your salary. The Third Schedule groups wages into bands and sets a fixed contribution for each band, based on the top of the band and rounded up to the next ringgit. Bands are RM20 wide up to RM5,000 and RM100 wide up to RM20,000. Above RM20,000 the exact percentage applies, still rounded up to the next ringgit.
The employer rate drops from 13% to 12% once wages pass RM5,000. That is why the employer share on RM 5,100.00 (RM 612.00) is lower than on RM 5,000.00 (RM 650.00).
Malaysian employees aged 60 and above pay no EPF. Their employer contributes 4%. Different rates apply to permanent residents and to non-Malaysian employees; this version of the calculator covers Malaysian citizens.
Examples
| Gross (RM) | EPF (you) | EPF (employer) |
|---|---|---|
| 1,700.00 | 187.00 | 221.00 |
| 2,000.00 | 220.00 | 260.00 |
| 3,000.00 | 330.00 | 390.00 |
| 4,000.00 | 440.00 | 520.00 |
| 5,000.00 | 550.00 | 650.00 |
| 5,100.00 | 561.00 | 612.00 |
| 6,000.00 | 660.00 | 720.00 |
| 8,000.00 | 880.00 | 960.00 |
| 10,000.00 | 1,100.00 | 1,200.00 |
| 20,000.00 | 2,200.00 | 2,400.00 |
Questions
How much EPF is deducted from RM3,000?
RM 330.00 from you and RM 390.00 from your employer, a total of RM 720.00 a month.
Can I contribute more than 11%?
Yes. You can ask your employer to deduct a higher employee rate, or top up yourself through i-Saraan or voluntary contributions. EPF tax relief stays capped at the annual limit.
How much EPF does my employer pay on RM10,000?
RM 1,200.00, which is 12% of the RM100 band top. You contribute RM 1,100.00.