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EPF projection calculator
Enter your age, current EPF balance and monthly salary. This finance calculator projects your balance every year until retirement age: employee and employer contributions, voluntary contributions, salary increases and the yearly dividend you assume — all of them can be changed.
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1Inputs
2Optional extras
Balance by age
| Age | Contributions | Dividend | Balance |
|---|
How is this projection worked out?
Each year, the monthly contributions (salary × employee rate + salary × employer rate + voluntary contribution) are multiplied by twelve and added to the balance; the dividend is worked out on the opening balance plus half of that year's contributions — an approximation of EPF's daily pro-rated crediting. The salary is increased by the percentage you give every year.
The employer rate is picked for you from the salary you type, using the current statutory contribution rule (citizen employees under 60); the default employee rate is the common rate. Real rates also depend on age and citizenship — you can type your own. The dividend is only an assumption: the real dividend is announced by EPF every year. Your EPF statement is the real figure.
Voluntary contributions & salary increases
Small but consistent voluntary contributions compound over decades — change the voluntary contribution figure and watch the balance at retirement age move. A yearly salary increase raises the contributions automatically in the projection.
Employee EPF contributions also reduce your monthly PCB and become a tax relief — our PCB calculator shows the effect on your take-home pay.
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Frequently asked questions
Is the dividend in this projection guaranteed?
No. The EPF dividend is announced every year based on investment performance; the figure here is only an assumption you choose. Try a few rates to see a reasonable range.
Why might the default contribution rates differ from my payslip?
The employer rate is picked from your salary using the current statutory rule, but real rates also depend on age and citizenship, and you may have opted for a different employee rate. Change the rates in the calculator to match your payslip.
Is my data sent anywhere?
No. The projection is worked out in your browser; no numbers are sent or stored.