PCBCalculatorMY

EPF (KWSP) Contribution Calculator

Determine your compulsory retirement savings ledger. Review both employee paycheck deductions and employer supplemental shares.

EPF Input Settings

Customize wages & rates for KWSP

RM

Total wages subject to EPF (incl. basic pay, commissions, bonuses)

Use Custom Percentage Share
Total Monthly EPF SavingsKWSP 2026 Ready
RM 1,152.00/ saved

This represents the aggregated capital added to your KWSP accounts monthly from both employee payroll salary deduction and supplemental employer overhead contributions.

Your Employee Share (11%)RM 528.00Deducted from paycheck
Employer Share (13%)RM 624.00Paid on top of salary
KWSP Rule Validation Note: Under default Malaysian rules for citizens below age 60:
  • For salaries RM5,000 or below, employee share is 11%, employer share to contribute is 13%.
  • For salaries above RM5,000, employee share is 11%, employer share to contribute drops to 12%.
  • Actual calculations follow exact bracketed statutory tables distributed by KWSP. Users must verify calculations before filing statutory submissions.
Please Note: This calculator provides an estimate only and is not an official LHDN ( Hasil ), KWSP or PERKESO statutory submission tool. Actual PCB, EPF, SOCSO and EIS amounts may vary depending on employee status, residency, tax relief eligibility, rebates (e.g. spouse/children declarations), TP1/TP3 information, prior employment records within the year, and official updates. Please verify calculation figures against official LHDN portal, KWSP booklets, PERKESO schedules, or consult with a certified payroll/tax compliance specialist.

The Purpose of KWSP Savings

The Employees Provident Fund (KWSP/EPF) is Malaysia's federal social security framework aimed at managing retirement accounts. Contributions are separated into designated accounts (such as Account 1, 2, and 3) to fund retirement, housing, health, and flexible emergency needs.

Securing healthy monthly allocations is essential to compounding retirement cash reserves, which are managed by KWSP through high-interest annual dividend payouts.

Adjusting Rates with Form 17A

While 11% represents the default employee share under modern payroll rules, workers can choose to increase their monthly saving levels.

By submitting a completed Borang 17A (Khas) through their company HR, employees can voluntary request to contribute higher shares (e.g., 12% or 15%), accelerating their long-term retirement planning.

Frequently Asked Questions (FAQs)

Under KWSP rules for citizens below 60: employees contribute 11% of their gross monthly wages. Employers contribute 13% for wages of RM5,000 and below, and 12% for wages above RM5,000.

Related Calculators & Worksheets

PCB Tax EstimatorGross-to-Net Salary CalculatorAnnual Income Tax CalculatorAnnual Bonus PCB CalculatorEPF (KWSP) Contribution Calculator

Verified Official Government Sources

We encourage you to audit and verify your tax/salary breakdowns against the latest official Malaysian government directives and statutory booklets:

LHDN / HASiL (Inland Revenue Board)

Official agency governing personal income tax e-Filing, CP39, and PCB computerized policies.

KWSP / EPF (Employees Provident Fund)

Mandatory retirement savings schema, interest rates, and Form 17A contribution policies.

PERKESO / SOCSO (Social Security)

Disability schemas, table schedules, and standard employer/employee Category 1/2 rates.

PERKESO EIS / SIP (Employment Insurance)

Job loss safety plans, application process, and 0.2% rate policies.