EPF (KWSP) Calculator

Enter your monthly wage and age to see the EPF employee contribution, employer contribution and total under the Third Schedule.

Rates in effect: KWSP Third Schedule (wages from October 2025) · KWSP – Jadual Ketiga ↗

This result is an estimate only. Check with your bank or the relevant authority before making decisions.

How it is calculated

For Malaysian citizens under 60, the employee contributes 11%. The employer contributes 13% on wages up to RM5,000 and 12% on wages above RM5,000. At 60 and above, the employee contributes 0% and the employer 4%.

Up to RM20,000, amounts come from the Third Schedule table rather than an exact percentage. Bands are RM20 wide up to RM5,000 and RM100 wide above that. Each share is calculated on the band’s upper limit and rounded up to the next ringgit. Above RM20,000 the exact percentage is used, rounded up.

The schedule has applied to wages from October 2025.

Worked example

A wage of RM3,000, under 60:

Employee contribution: RM330
Employer contribution: RM390
Total contribution: RM720

A wage of RM5,050 falls in the band RM5,000.01 to RM5,100, so contributions are calculated on RM5,100. The employee pays RM561 and the employer RM612, a total of RM1,173. Note the employer rate drops to 12% once the wage passes RM5,000.

Why your number may differ

Voluntary extra contributions (i-Topup) are not included here. Some wage items are not subject to EPF, so the wage that counts may be lower than your gross pay. EPF can also update the schedule.

Frequently asked questions

Why is the result not exactly 11% of my wage?

Up to RM20,000, amounts come from the Third Schedule table, not an exact percentage. Wages are grouped into bands, and each share is calculated on the band's upper limit and rounded up to the next ringgit.

What are the EPF rates at 60 and above?

For Malaysian citizens aged 60 and above, the employee contributes 0% and the employer contributes 4%.

Does this cover permanent residents and foreign workers?

No. This calculator covers Malaysian citizens only. Foreign workers have contributed 2% + 2% since October 2025, and permanent residents aged 60 and above have different rates.