EPF Calculator Malaysia

Advanced EPF Calculator

Basic Monthly Salary (RM)

Age

Annual Salary Increase (%)

Voluntary Contribution (% of salary)

Projection Years

Calculate Projection

Monthly Contributions -

Annual Contributions -

                Projected Value After - Years
                -
            

Includes annual salary increases and voluntary contributions

EPF Calculator – Estimate Your Provident Fund Savings

The EPF Calculator helps employees estimate their provident fund savings, including interest and employer contributions, over time.

What is EPF?

EPF (Employee Provident Fund) is a retirement savings scheme managed by the Employees’ Provident Fund Organization (EPFO) in India.

How Does EPF Work?

Each month, both the employee and employer contribute a percentage of the employee’s basic salary towards EPF. Over time, this fund grows with interest.

Why Use an EPF Calculator?

Plan Your Retirement – Know how much savings you will have.
Understand Contributions – See how your and your employer’s contributions add up.
Calculate Interest – Get an estimate of how much interest will be earned.
Make Smart Investment Decisions – Use insights to plan additional savings.

How to Use the EPF Calculator?

Enter Your Basic Salary – Input your monthly salary details.
Select Your Contribution Percentage – Choose how much you contribute to EPF.
Enter Years of Service – Provide the number of years you plan to work.
Calculate – Click the button to see your estimated EPF balance.

Benefits of EPF

Tax-Free Savings – EPF contributions and withdrawals are tax-exempt under specific conditions.
Retirement Security – Ensures financial stability after retirement.
Employer Contribution – Employers also contribute to your EPF account.
Easy Withdrawals – Partial withdrawals allowed for emergencies.

FAQs About the EPF Calculator

1. How is EPF calculated?

EPF is calculated based on 12% of your basic salary plus the employer's contribution and accumulated interest.

2. Is EPF taxable?

No, EPF savings are tax-free if withdrawn after five years of continuous service.

3. Can I withdraw my EPF before retirement?

Yes, partial withdrawals are allowed under certain conditions like medical emergencies, education, or home purchases.

4. What is the current EPF interest rate?

The EPF interest rate is revised annually by the EPFO. Check the latest rates on the EPFO website.

5. Does my employer contribute the same amount?

Employers contribute 12% of your basic salary, but part of it goes to the Employee Pension Scheme (EPS).

Start Calculating Your EPF Savings Now!

Use our EPF Calculator today to estimate your retirement savings and plan your future finances effectively.

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