EPF / PF Calculator
EPF deposit = employee contribution + employer contribution − employer EPS diversion.
Your inputs
Rates and policy inputs are editable assumptions. Confirm the values that apply to your situation. Currency changes the display, not the exchange rate.
How this calculation works
EPF deposit = employee contribution + employer contribution − employer EPS diversion. Interest accrues on opening monthly balances and is credited at year end. Annual salary growth is applied at each year start after year one.
Confirm actual eligible wages, EPS membership, caps and contribution dates with your employer. Rates are assumptions; this does not calculate pension benefits.
How do I use this calculator?
Enter your own figures in each labeled field. Review the assumptions above, then compare the result with a second set of inputs. Reset restores the illustrative example values.
Can I save and compare scenarios?
Save a named scenario below. Select up to two saved scenarios to compare with your current result. Saved inputs stay in this browser; clearing browser data removes them.
What is included in an export?
The CSV includes the input assumptions, numeric results and any detailed schedule. Print creates a browser printout. A copied input link contains your entered values, so share it only with people who should see them.
References
Your results
Scenario estimateSaved scenarios
Stored on this device. Select up to two to compare with current inputs.
Detailed breakdown
Monetary columns use the selected currency; percentages and periods are labeled separately. Displayed values are rounded; exports preserve calculation precision.
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Planning estimates depend on your assumptions. Market returns, lender terms and individual tax outcomes can differ.