EPF Retirement Goal Calculator
Project how your EPF (KWSP) savings could grow from today until your retirement goal, factoring in salary increments and compounding annual dividends.
Your projection
This is a simplified estimate: contributions use this year's exact EPF percentages and switch to the 60+ band automatically, while dividends compound monthly at 1/12th of your chosen annual rate for simplicity. In reality, EPF calculates dividends on your actual daily aggregate balance, with new contributions earning dividends from the following month — and the rate itself is declared once a year based on EPF's actual investment performance, so it varies year to year. Treat this as a directional projection, not a guarantee.
Year-by-year projection
| Age | Contributions | Dividends | Balance |
|---|---|---|---|
| 31 | RM 14,400.00 | RM 1,754.10 | RM 36,154.10 |
| 32 | RM 14,490.00 | RM 2,779.12 | RM 53,423.22 |
| 33 | RM 15,214.56 | RM 3,896.22 | RM 72,534.00 |
| 34 | RM 15,975.24 | RM 5,131.06 | RM 93,640.30 |
| 35 | RM 16,773.96 | RM 6,493.43 | RM 116,907.69 |
| 36 | RM 17,612.64 | RM 7,993.88 | RM 142,514.21 |
| 37 | RM 18,493.32 | RM 9,643.73 | RM 170,651.26 |
| 38 | RM 19,418.04 | RM 11,455.17 | RM 201,524.47 |
| 39 | RM 20,388.84 | RM 13,441.27 | RM 235,354.59 |
| 40 | RM 21,408.36 | RM 15,616.09 | RM 272,379.04 |
| 41 | RM 22,478.76 | RM 17,994.73 | RM 312,852.53 |
| 42 | RM 23,602.68 | RM 20,593.37 | RM 357,048.58 |
| 43 | RM 24,782.76 | RM 23,429.43 | RM 405,260.77 |
| 44 | RM 26,022.00 | RM 26,521.57 | RM 457,804.34 |
| 45 | RM 27,323.04 | RM 29,889.82 | RM 515,017.20 |
| 46 | RM 28,689.24 | RM 33,555.69 | RM 577,262.13 |
| 47 | RM 30,123.60 | RM 37,542.21 | RM 644,927.94 |
| 48 | RM 31,629.84 | RM 41,874.12 | RM 718,431.90 |
| 49 | RM 33,211.32 | RM 46,577.92 | RM 798,221.14 |
| 50 | RM 34,871.88 | RM 51,682.04 | RM 884,775.06 |
| 51 | RM 36,615.48 | RM 57,216.93 | RM 978,607.46 |
| 52 | RM 38,446.32 | RM 63,215.25 | RM 1,080,269.03 |
| 53 | RM 40,368.60 | RM 69,711.97 | RM 1,190,349.59 |
| 54 | RM 42,387.00 | RM 76,744.56 | RM 1,309,481.16 |
| 55 | RM 44,506.32 | RM 84,353.19 | RM 1,438,340.66 |
| 56 | RM 46,731.72 | RM 92,580.83 | RM 1,577,653.22 |
| 57 | RM 49,068.24 | RM 101,473.55 | RM 1,728,195.01 |
| 58 | RM 51,521.64 | RM 111,080.63 | RM 1,890,797.28 |
| 59 | RM 54,097.80 | RM 121,454.87 | RM 2,066,349.95 |
| 60 | RM 56,802.60 | RM 132,652.76 | RM 2,255,805.31 |
Check EPF's actual historical dividend rates before assuming any figure for planning purposes. KWSP dividend history.
EPF dividend rate history
Official declared rates by year — useful context for how realistic your chosen projection rate is, not a prediction of future rates.
| Year | Simpanan Konvensional | Simpanan Shariah |
|---|---|---|
| 2025 | 6.15% | 6.15% |
| 2024 | 6.3% | 6.3% |
| 2023 | 5.5% | 5.4% |
| 2022 | 5.35% | 4.75% |
| 2021 | 6.1% | 5.65% |
| 2020 | 5.2% | 4.9% |
| 2019 | 5.45% | 5% |
| 2018 | 6.15% | 5.9% |
| 2017 | 6.9% | 6.4% |
| 2016 | 5.7% | — |
| 2015 | 6.4% | — |
| 2014 | 6.75% | — |
| 2013 | 6.35% | — |
| 2012 | 6.15% | — |
| 2011 | 6% | — |
| 2010 | 5.8% | — |
Source: KWSP official dividend rate history.
Common questions
How is my EPF dividend actually calculated?
EPF calculates your dividend based on your daily aggregate balance throughout the year, not just a single balance snapshot. New contributions start earning dividends from the month after they're credited, and the annual payout is based on your savings as at 1 January. The declared rate — set once a year from EPF's actual investment performance — is then applied to that daily balance.
Is the EPF dividend rate guaranteed?
Only the minimum is — 2.50% a year for Simpanan Konvensional, set by law. The actual declared rate is usually higher and depends on EPF's real investment performance that year, so it varies annually and isn't something you can rely on beyond that legal floor for planning purposes.