EPF (Employee Provident Fund) is a mandatory retirement savings scheme in Malaysia, India, and other countries. Both employer and employee contribute monthly, and the accumulated fund earns annual interest.

What are EPF contribution rates?

Malaysia: Employee 11% (can be reduced), Employer 12-13% (varies by salary). India: Employee 12% of basic salary, Employer 12% (3.67% to EPF, 8.33% to EPS).

How is EPF interest calculated?

EPF interest is compounded annually at a rate declared yearly by the EPF board. Interest is calculated monthly but credited annually. This tool lets you simulate different rates.

When can I withdraw EPF?

Full withdrawal at retirement age (55-60, depending on country). Partial withdrawals allowed for housing, education, medical, etc. Policies vary by country.

How to maximize EPF returns?

1) Start early; 2) Consider voluntary additional contributions; 3) Leverage compound interest over the long term; 4) Monitor annual declared interest rates.

EPF (Employee Provident Fund) Calculator

Finance

Free online EPF (Employee Provident Fund) calculator. Calculate EPF contributions, interest, and retirement savings for Malaysia/India. Customizable interest rate, contribution rate, and tenure. 100% client-side.

💰 Input Parameters

Monthly Salary ($)

Current EPF Balance ($)

Employee Contribution (%)

Employer Contribution (%)

Annual Interest Rate (%)

Years Until Retirement

Annual Salary Growth (%)

Extra Voluntary Contribution/Mo ($)

📈 Year-by-Year Growth

Year	Annual Salary	Annual Contribution	Year-End Balance

💰 Input Parameters

📊 Results

📈 Year-by-Year Growth

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