EPF Dividend Calculator (KWSP) — Compound Growth Projection
Project how your EPF balance will grow over time, assuming a constant monthly contribution and an average annual dividend.
- Total contributed
- RMÂ 410,000.00
- Dividend earned
- RMÂ 608,874.51
- Monthly contribution
- RMÂ 1,200.00
- Effective return multiple
- 2.49x
About this calculator
EPF (Employees Provident Fund / KWSP) is Malaysia's national retirement savings scheme. Standard statutory contribution is 11% from the employee and 13% from the employer (for monthly wages of RM5,000 and below; 12% above). EPF declared an annual dividend of 5.5%–6.3% in recent years for the conventional account. This calculator compounds your contributions monthly using the projected annual dividend rate. The math: each month, your existing balance grows by (rate ÷ 12), then your new contribution is added. Over a long horizon, compounding makes the dividend the dominant driver of your final balance — not the contributions themselves. Tip: voluntarily topping up via i-Saraan or self-contribution can dramatically accelerate growth and qualifies for tax relief.
Formula
Each month: balance = balance × (1 + r/12) + monthly_contribution
Example calculation
Example: 30-year-old earning RM5,000 with RM50,000 balance
Monthly contribution = RM5,000 × 24% = RM1,200. Over 25 years at 5.8% compounded monthly, the balance grows to roughly RM930,000 — of which ~RM410,000 is contributions and ~RM520,000 is dividend.