Work out your monthly EPF (KWSP) contribution. For Malaysians and permanent residents under 60, the employee pays 11% and the employer pays 13% on wages up to RM5,000, or 12% above RM5,000. Pick your category, enter your wage, and see both shares and your take-home pay. Everything runs in your browser; nothing is uploaded.
Malaysian / PR below 60: employee 11%, employer 13% on wages of RM5,000 and below, 12% above RM5,000. Malaysian 60 and above: employee 0%, employer 4%. Foreign workers (mandatory since October 2025 wages): employee 2% and employer 2%. Contributions are due by the 15th of the following month. Amounts are rounded up to the next Ringgit, as KWSP requires.
For wages up to RM20,000, KWSP does not use a plain percentage — payroll must use the fixed amounts in the Third Schedule of the EPF Act 1991, which rounds wages into bands. This calculator uses the headline rates, so it is an estimate that is usually within a few Ringgit of the exact schedule amount. Above RM20,000 the percentage method is the official one.
Yes — since the October 2025 salary month, EPF is mandatory for most non-Malaysian employees who hold a valid passport and work pass (domestic workers are excluded). Both the employee and the employer pay 2% of monthly wages.
Your share plus your employer's share goes into your EPF (KWSP) account, split between Account 1 (retirement) and Account 2 (housing, education, health). It earns an annual dividend declared by KWSP and can be withdrawn in full at age 55, with partial withdrawals allowed earlier for approved purposes.
Disclaimer: This is an estimate based on the headline KWSP rates in the EPF Act 1991 Third Schedule, effective for wages from October 2025. For wages up to RM20,000 the official schedule uses fixed band amounts, so your payslip may differ by a few Ringgit. Always check your payslip and the KWSP website before relying on a figure. This tool is not affiliated with KWSP and is not financial advice.