Project the balance of Employees' Provident Fund — India (EPFO) and Malaysia (KWSP) — complete with a reverse solver and scenario comparison.
India preset: 12% employee + 12% employer, initial rate 8.25% (FY2024–25, assumption — may change), currency ₹.
Monthly contribution = salary × (employee + employer contribution) ÷ 100. Salary raises also increase contributions each year.
Interest compounds monthly: balance × (1 + rate/12) each month, contributions counted at month end.
| Tahun | Kontribusi | Bunga | Ending balance |
|---|
Contribution figures are rounded up to the nearest currency unit so the target is met.
Compare two combinations of rates / contributions / durations side by side.
| Tahun | Saldo A | Saldo B | Selisih |
|---|
Educational summary. Official rules and figures may change — always verify on the official EPFO (India) or KWSP (Malaysia) sites.
EPF (Employees’ Provident Fund) is a mandatory retirement fund scheme for employees. In India, EPF is managed by EPFO: employees contribute 12% and employers 12% of basic salary (the employer share splits into 8.33% to EPS/pension and 3.67% to EPF, with a wage cap of ₹25,000 per month (up from ₹15,000 since 17 September 2026)). In Malaysia, the similar scheme is called KWSP: 11% employee and 13% employer (salary up to RM5,000) or 12% (above RM5,000). These figures are official rules that may change — always check the official EPFO or KWSP sites.
EPF balance grows from two sources: monthly contributions (employee + employer) and compound interest. This calculator uses the standard convention: each month, the balance is multiplied by (1 + annual rate / 12), then that month’s contribution is added (contributions counted at month end). With annual salary raises, contributions rise each year. The result is an estimate assuming a fixed rate — in reality EPF rates are reset each year.
In India, the EPF rate for fiscal year 2024–25 is 8.25% per year, set by EPFO together with the Indian government — this figure is reviewed and may change each year. In Malaysia (KWSP), the annual dividend is set by KWSP and varies each year. That is why you can change the rate field in this calculator yourself to the latest figure.
EPF is a mandatory retirement fund for salaried employees in India, with employee and employer contributions. PPF (Public Provident Fund) is voluntary — anyone can open an account, 15-year lock-in, and only personal contributions. ESI (Employees’ State Insurance) is not a retirement fund but health insurance for low-wage workers (3.25% employer + 0.75% employee). All three have different purposes: retirement (EPF), long-term voluntary savings (PPF), and health coverage (ESI).
Since the EPF 2026 scheme (CBT decision October 2025), 13 partial-withdrawal provisions were merged into 3 categories — Essential Needs (health, education, marriage), Housing Needs, and Special Circumstances — with a uniform 12-month service requirement for all partial withdrawals, up to 100% of the eligible balance (25% must be retained as minimum balance). Frequency limits: education up to 10 times, marriage up to 5 times during membership. Full withdrawal after leaving a job: the waiting period changed from 2 months to 12 months, with 75% of the balance accessible earlier. Transition rules are still in effect — verify on the official EPFO portal before filing a claim.
In India, the full pension fund (EPS portion) is available at age 58. In Malaysia (KWSP), savings have been split into three accounts since 11 May 2024: Akaun Persaraan (75%) for retirement, fully withdrawable at age 55; Akaun Sejahtera (15%) for approved uses such as housing, education, and health; and Akaun Fleksibel (10%), withdrawable anytime. These age and account rules may change with each country’s policies.
Tax rules differ per country and may change. In India, EPF interest is tax-free up to a limit; since 2020, employer contributions above 7.5 lakh rupees per year are taxed. Withdrawals before 5 years of service can also be taxed. Because the rules are complex and change, consult a tax professional for your specific situation — this calculator does not compute tax.
No. This calculator is an educational estimation tool to help you understand how compound interest works on EPF/KWSP retirement funds. Actual figures may differ because rates, contribution rules, and withdrawal policies change over time. For retirement, tax, or withdrawal decisions, discuss with a professional financial planner.
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