Employees under 60 contribute 11%; employers 13% on wages up to RM5,000 and 12% above. Since October 2025 non-citizen employees and employers contribute 2% each.
Contributions are split across your EPF accounts; this projection shows the combined balance.
This is an estimate based on published rates, not tax or financial advice. Your payslip or assessment may differ. We are an independent site, not affiliated with any government agency.
EPF contribution rates (2026)
Employee
Employee
Employer
Malaysian / PR under 60, wages up to RM5,000
11%
13%
Malaysian / PR under 60, wages above RM5,000
11%
12%
Aged 60 and over
0%
4%
Non-Malaysian citizens (from October 2025)
2%
2%
Contributions follow the wage bands of the EPF Act’s Third Schedule, so the ringgit amounts are rounded up.
Worked example
RM5,000 a month at 30, 3% raises, 5.5% assumed dividend, until 55
Over 25 years you put in RM 242,352 and your employer RM 264,984; dividends add RM 475,449 at the assumed rate.
EPF savings at 55RM 982,785
Monthly contribution now
RM 1,200.00you RM550 + employer RM650
Dividends earned
RM 475,449
Projection
Age
You
Employer
Dividend
Balance
31
RM 6,600
RM 7,800
RM 363
RM 14,763
35
RM 7,524
RM 8,208
RM 3,993
RM 85,120
40
RM 8,712
RM 9,504
RM 10,372
RM 208,822
45
RM 10,032
RM 10,944
RM 19,546
RM 386,287
50
RM 11,616
RM 12,672
RM 32,462
RM 635,830
55
RM 13,464
RM 14,688
RM 50,440
RM 982,785
The dividend is declared each year for the year just ended, so the projection uses your own assumption – change it to see a range of outcomes.
Questions people ask
How much is EPF on RM5,000?
RM550 from you (11%) and RM650 from your employer (13%) – RM1,200 a month in total.
When does the employer rate drop to 12%?
For monthly wages above RM5,000. On RM5,500, for example, the employer pays RM660 and you pay RM605.
Do foreign workers contribute to EPF?
Yes, since October 2025. Non-Malaysian citizens who are not permanent residents contribute 2% and their employers 2%.
What happens at 60?
Employees aged 60 and over no longer have to contribute, and the employer rate falls to 4%.
This is an estimate based on published rates, not tax or financial advice. Your payslip or assessment may differ. We are an independent site, not affiliated with any government agency. Read the full disclaimer.
