Disclaimer: This calculator is offered for informational and reference purposes only. Calculations are not meant to supplant or serve as a substitute for professional guidance or official calculations provided by relevant authorities.
*Please note that we are in the process of updating PCB calculations (monthly tax deductions), so they are currently unavailable.
What is EPF?
The Employees Provident Fund (EPF) is Malaysia’s mandatory retirement savings scheme. Both employers and employees contribute a percentage of the monthly salary into the fund, helping employees build long-term financial security.
Why Use an EPF Calculator?
Manual EPF calculations are time-consuming and error-prone. This calculator gives you an instant, accurate estimate based on your salary — so you can quickly verify that your employer is deducting the right amount under the latest 2026 rates.
How to Use This Calculator
Enter your gross monthly salary in the designated field.
Select your Age Group and Residential Status.
Click “Calculate“.
The calculator will automatically display the employee’s and employer’s EPF contribution amounts.
How EPF Contributions Are Calculated
EPF is calculated as a percentage of the employee’s gross monthly salary, split into two parts: the employee’s contribution and the employer’s contribution.
Contribution rates vary based on monthly salary, age group, and residency status. See our full guide on EPF contribution rates for a detailed breakdown.
The total monthly EPF contribution is the sum of both the employee and employer amounts. Here’s a quick example:
An employee in Malaysia has a gross monthly salary of RM5,000.
Employee Contribution (11% of RM5,000) = RM550
Employer Contribution (13% of RM5,000) = RM650
Total EPF Contribution (RM550 + RM650) = RM1,200
Therefore, the total monthly EPF contribution for this employee would be RM1,200, with RM550 coming from the employee’s salary and RM650 contributed by the employer.
Automate Your EPF Contributions
PayrollPanda is Malaysia’s leading LHDN-approved payroll software — it automatically calculates EPF contributions for both employees and employers based on the latest rates, including the option to select custom EPF percentages for specific situations.
Track EPF contributions for your entire team in one place. Automated calculations eliminate manual errors and keep every deduction accurate.
Stay Compliant, Automatically
EPF regulations in Malaysia are updated regularly. PayrollPanda automatically applies the latest rates and rules, so your business stays compliant without the manual upkeep.
Ready to Automate Your Payroll?
Stop wasting time on manual calculations and worrying about compliance. Start running payroll for free today! Experience the benefits of automated EPF calculations, streamlined payroll processing, and peace of mind with PayrollPanda.
FAQs
Some frequently asked questions...
Yes, you can withdraw a portion of your EPF savings before retirement under certain qualifying circumstances, such as for housing, education and medical expenses. For the latest and most accurate information on EPF withdrawals, refer to the official EPF website.
Employers are required by law to ensure timely EPF contributions. Failure to do so may result in penalties and legal consequences. Read more about deadlines for EPF.
Employees can check their EPF balance through the EPF website, mobile app, or by visiting the nearest EPF office.
In Malaysia, employees, employers, self-employed individuals, and foreign workers with valid work permits are eligible to contribute to the Employees Provident Fund (EPF).
PayrollPanda automates EPF calculations for both employees and employers based on the latest rates. This eliminates manual calculations and reduces the risk of errors.
Streamline your payroll for FREE!
Experience seamless payroll management at no cost! No obligations, no credit card details required.
