EPF Rules Currently Used
Rule Version: 2025-10
Effective Wages: From Oct 2025
Last Verified: 26/07/2026
Official Source: KWSP Jadual Ketiga ↗
Employee EPF Contribution Malaysia
Understand how your monthly EPF employee share is deducted from your basic salary and fixed allowances.
Employee Mode: Calculate how much EPF is deducted from your salary
Calculation Breakdown
Monthly Wages RM0
Employee EPF Contribution
Employer EPF Contribution
Total EPF Contribution
Salary after employee EPF deduction, before other deductions RM0
Employer salary + EPF cost RM0
How was this calculated?
Annual Projections (Estimated)
Employee EPF per year RM0
Employer EPF per year RM0
Total EPF per year RM0
Annual estimate assumes the same wages for 12 months.
EPF Account Allocation Breakdown
Akaun Persaraan (75%) RM0
Akaun Sejahtera (15%) RM0
Akaun Fleksibel (10%) RM0
Ruleset Version: 2025-10
Effective Date: 01/10/2025
Rules last verified: 26/07/2026
How Employee EPF Deductions Work
Direct Answer
The standard employee EPF deduction rate is 11% of monthly wages for Malaysian citizens and PRs below age 60. For wages up to RM20,000, deductions follow the exact statutory amounts listed in the EPF Third Schedule (Jadual Ketiga).
Engine Worked Example: RM3,000 Monthly Salary
Gross Monthly Salary
RM3,000
Employee EPF Share (11%)
RM330
Deducted from salary
Salary after EPF Deduction
RM2,670
Note: This figure is your salary after employee EPF deduction, before other deductions (SOCSO, EIS, PCB income tax).
Official Reference & Source Citation
Publisher: Employees Provident Fund (KWSP Malaysia)
Document / Schedule: EPF Act 1991 — Third Schedule (Jadual Ketiga)
Effective Date: October 2025 wages onwards
Last Checked by EPF-Calculator.my: 26/07/2026
Official Source Link: Visit Official KWSP Portal (kwsp.gov.my) ↗