Find out whether your EPF savings can actually fund your retirement — and how large the shortfall is.
About You
Check your KWSP i-Akaun app or EPF annual statement
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Retirement Plan
Malaysian average is ~75. Plan for 80+ — people are living longer thanks to better healthcare.
70% means you want RM7,000/mo in retirement if you earn RM10,000/mo today. World Bank recommends 70% as the minimum to maintain your current lifestyle.
Rates & Assumptions
The annual return EPF pays on your savings while you're still working. Historical average is around 5–6%.
How fast prices rise each year. At 4%, RM100 today costs ~RM149 in 10 years — your money buys less over time.
Your share is 11% by default. Your employer adds another 12–13% on top (required by law) — both go into your EPF.
How much your remaining EPF balance earns annually while you draw it down in retirement. Set conservatively at 3% — without a salary, you can't afford big losses. If you're comfortable with moderate risk, 5% is the upper limit.