What rates does this use?

Employer: 13% of wages where the monthly wage is RM5,000 or below, 12% where it exceeds RM5,000. Employee: 11% if under 60, 5.5% if 60 and above. These are the long-standing statutory KWSP rates for Malaysian citizens and permanent residents.

Why does the employer rate change at RM5,000?

EPF rules set a slightly higher employer rate (13%) for lower earners — those with monthly wages of RM5,000 or less — and 12% above that threshold. The employee rate does not depend on the RM5,000 boundary.

Are the contributions rounded?

EPF rounds each party's contribution up to the next ringgit using a published wage-to-contribution table, so your payslip figure may be a ringgit higher than the raw percentage. This tool shows the exact percentage amounts for clarity.

Does the employee rate ever differ from 11%?

Yes — the government has occasionally cut the statutory employee rate (for example to 9% or 7%) as a stimulus measure for limited periods. This tool uses the standard 11% (under 60) and 5.5% (60+) rates; check current KWSP announcements for any temporary reduction.

Is my salary data sent anywhere?

No. The whole calculation runs locally in your browser. Your wage figure never leaves your device.

Malaysia EPF Contribution Calculator

The Employees Provident Fund (EPF, or KWSP) is Malaysia’s mandatory retirement savings scheme. Both employer and employee contribute a percentage of monthly wages, and the rates depend on the employee’s age and — for the employer — the salary band. This free calculator applies the statutory KWSP rate table and shows the combined amount credited to the EPF account.

How it works

The calculator applies two rules:

Employer rate depends on the wage band:
- Monthly wage of RM5,000 or below → 13%.
- Monthly wage above RM5,000 → 12%.
Employee rate depends on age:
- Under 60 → 11%.
- 60 and above → 5.5%.

Under 60, wage <= 5,000 : employer 13%   employee 11%   total 24%
Under 60, wage  > 5,000 : employer 12%   employee 11%   total 23%
60+,      wage <= 5,000 : employer  6.5% employee  5.5% total 12%
60+,      wage  > 5,000 : employer  6%   employee  5.5% total 11.5%

Note that for members aged 60 and over the employer rate is half of the under-60 rate (6.5% / 6%).

Example

An employee aged 35 earning RM4,000/month (wage ≤ RM5,000): the employer contributes 13% = RM520, the employee contributes 11% = RM440, for a combined RM960 credited to EPF. The employee’s take-home is RM4,000 − RM440 = RM3,560 before tax and other deductions. EPF rounds the exact figures up to the next ringgit on the payslip. Everything runs locally — nothing leaves your browser.