EPF Calculator (Malaysia)

For OFWs working in Malaysia

Based on current KWSP guidance, the mandatory EPF rate for non-Malaysian workers effective October 2025 is 2% employee contribution plus 2% employer contribution.

Monthly Salary (RM)

Years to Contribute

Employee Rate (%)

Employer Rate (%)

Expected Dividend Rate (%)

Historical EPF dividend rates have often been in the 5% to 6% range.

About EPF Malaysia

The Employees Provident Fund (EPF), or KWSP, is Malaysia’s retirement savings system. For OFWs and other non-Malaysian workers based in Malaysia, understanding both contribution rates and dividend growth helps with longer-term planning.

Non-Malaysian Worker Rule

Before October 2025, EPF participation for many non-citizens was generally voluntary.
From October 2025, KWSP guidance states a mandatory 2% employee and 2% employer contribution for non-Malaysians.

What This Calculator Shows

Your cumulative contributions
Employer contributions
Estimated dividend growth
A year-by-year projected balance