Total contributed
RM 482,262.00
EPF Growth Calculator
2026Project your KWSP savings year by year to retirement.
1You today
RM
RM
2Contributions
Category rates: employee 11% · employer 12%
3Growth
%
%
Advanced options
RM
Adds bonus to that month's EPF wages.
%
%
YOUR KWSP AT 60
RM 855,258.85
Your contributions RM 230,384.00 · employer RM 251,878.00 · dividends RM 352,996.85
20-year projection · includes your starting balance
Total dividends
RM 352,996.85
You contributed
RM 230,384.00
Employer contributed
RM 251,878.00
EPF balance growth
Compounded year by year
Yearly contributions stacked
Employee + Employer
Contributions vs dividend
Where the growth comes from
Year-by-year EPF projection
20 years
| Year | Opening | You | Employer | Total contrib. | Dividend | Closing |
|---|---|---|---|---|---|---|
| 1 | RM 20,000.00 | RM 7,150.00 | RM 8,350.00 | RM 15,500.00 | RM 1,526.25 | RM 37,026.25 |
| 2 | RM 37,026.25 | RM 7,546.00 | RM 8,232.00 | RM 15,778.00 | RM 2,470.34 | RM 55,274.59 |
| 3 | RM 55,274.59 | RM 7,942.00 | RM 8,664.00 | RM 16,606.00 | RM 3,496.77 | RM 75,377.36 |
| 4 | RM 75,377.36 | RM 8,206.00 | RM 8,952.00 | RM 17,158.00 | RM 4,617.60 | RM 97,152.96 |
| 5 | RM 97,152.96 | RM 8,602.00 | RM 9,384.00 | RM 17,986.00 | RM 5,838.03 | RM 120,976.98 |
| 6 | RM 120,976.98 | RM 8,998.00 | RM 9,816.00 | RM 18,814.00 | RM 7,171.12 | RM 146,962.10 |
| 7 | RM 146,962.10 | RM 9,526.00 | RM 10,392.00 | RM 19,918.00 | RM 8,630.66 | RM 175,510.76 |
| 8 | RM 175,510.76 | RM 9,922.00 | RM 10,824.00 | RM 20,746.00 | RM 10,223.61 | RM 206,480.37 |
| 9 | RM 206,480.37 | RM 10,318.00 | RM 11,256.00 | RM 21,574.00 | RM 11,949.71 | RM 240,004.08 |
| 10 | RM 240,004.08 | RM 10,846.00 | RM 11,832.00 | RM 22,678.00 | RM 13,823.87 | RM 276,505.94 |
| 11 | RM 276,505.94 | RM 11,374.00 | RM 12,408.00 | RM 23,782.00 | RM 15,861.83 | RM 316,149.78 |
| 12 | RM 316,149.78 | RM 11,902.00 | RM 12,984.00 | RM 24,886.00 | RM 18,072.60 | RM 359,108.38 |
| 13 | RM 359,108.38 | RM 12,430.00 | RM 13,560.00 | RM 25,990.00 | RM 20,465.69 | RM 405,564.06 |
| 14 | RM 405,564.06 | RM 13,090.00 | RM 14,280.00 | RM 27,370.00 | RM 23,058.70 | RM 455,992.76 |
| 15 | RM 455,992.76 | RM 13,618.00 | RM 14,856.00 | RM 28,474.00 | RM 25,862.64 | RM 510,329.40 |
| 16 | RM 510,329.40 | RM 14,278.00 | RM 15,576.00 | RM 29,854.00 | RM 28,889.10 | RM 569,072.50 |
| 17 | RM 569,072.50 | RM 15,070.00 | RM 16,440.00 | RM 31,510.00 | RM 32,165.51 | RM 632,748.02 |
| 18 | RM 632,748.02 | RM 15,730.00 | RM 17,160.00 | RM 32,890.00 | RM 35,705.62 | RM 701,343.63 |
| 19 | RM 701,343.63 | RM 16,522.00 | RM 18,024.00 | RM 34,546.00 | RM 39,523.91 | RM 775,413.55 |
| 20 | RM 775,413.55 | RM 17,314.00 | RM 18,888.00 | RM 36,202.00 | RM 43,643.30 | RM 855,258.85 |
NO BLACK BOX
How we calculate
How we calculate
Starting balance
RM 20,000.00
Your existing KWSP savings
Your contributions
RM 230,384.00
Employee rate 11%
Employer contributions
RM 251,878.00
Employer rate 12%
Dividends earned
RM 352,996.85
At 5.5% assumed yearly dividend
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Projected KWSP
RM 855,258.85