Work out your EPF dividend for the year at the latest rate, and see what your balance could grow to by retirement.
Dividend this year
RM 5,292.08
At 6.15% on your balance and RM 1,200.00 a month going in
Dividend this year: RM 5,292.08
2025 dividend: 6.15% for both conventional and Shariah savings. Each month's contribution is counted from the 15th of the next month, when KWSP receives it. New contributions split 75% Akaun Persaraan, 15% Akaun Sejahtera and 10% Akaun Fleksibel. Future dividends aren't guaranteed.
RM50,000 balance, RM1,200 a month, 6%
RM3,000 on the balance plus RM363 on the year's contributions.
≈ RM3,363 dividend
RM80,000 at 30, RM5,000 salary
See your balance at 55, and what it's worth in today's money.
Use the projection
How the figures above are worked out — the rules, rates and reasoning behind every line.
KWSP pays its dividend on your daily balance. Money that was there all year earns the full rate; each month's contribution earns from the day it arrives, which is by the 15th of the following month.
For 2025, KWSP declared 6.15% for both Simpanan Konvensional and Simpanan Shariah, down from 6.30% in 2024.
Each year we add your and your employer's contributions (11% + 13%, or 12% above RM5,000), the dividend, and your pay rise. The result is shown both in future ringgit and in today's money after inflation, which is what it will actually buy.
6.15% for 2025, for both conventional and Shariah savings, announced on 28 February 2026. It was 6.30% for 2024.
KWSP announces the rate early in the year, usually in February or March, and credits the dividend for the previous year to your accounts soon after.
Contributions made during the year only earn dividend from the day they arrive, so the year's new money earns roughly half the rate. Withdrawals during the year also reduce it.
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