HOW LONG YOUR EMPLOYEE PROVIDENT FUND (EPF) CAN LAST?

This Calculator is to calculate how long your EPF Saving can last should you withdraw a fixed amount monthly. This Calculator is taking account of a dividend rate of 4.5% annually.

Retirement Savings Duration Estimator

You can adjust your monthly withdrawal amount to see how long your EPF savings will last.

Results:

Your EPF savings will last until age: 0

Disclaimer: This Retirement Savings Duration Estimator is for informational purposes only and does not constitute financial, investment, legal, or tax advice. The calculations provided are based on user inputs and a fixed assumed dividend rate of 4.5%, which may not reflect actual market conditions or future EPF returns.

Users should not rely solely on this tool for making financial decisions. Individual financial needs vary, and actual savings duration may be affected by inflation, changing EPF dividend rates, market fluctuations, unexpected expenses, and personal financial behaviour.

We strongly recommend consulting with a licensed financial advisor or professional before making any financial planning decisions. We do not guarantee the accuracy, completeness, or applicability of the results provided by this tool.

This website and its owners are not affiliated with EPF or any financial institution. Use of this tool is at your own risk, and we assume no responsibility for financial losses, decisions, or outcomes based on its use.

EPF Withdrawal Age Limits

  1. Full Withdrawal at Age 55
    • At 55 years old, you can withdraw all of your EPF savings.
    • Your EPF Accounts 1 & 2 will merge into one after this.
    • You can withdraw the full amount in a lump sum, partial withdrawals, or monthly withdrawals.
    • If you continue working, new contributions will go into Akaun 55.
  2. Flexible Withdrawals at Age 60
    • If you did not withdraw at 55, you can continue withdrawals at any time.
    • If you are still working after 55 or 60, your new contributions will go into Akaun Emas and can only be withdrawn at 60.
  3. Mandatory Withdrawal at Age 100
    • If your EPF savings are not withdrawn by age 100, EPF will automatically transfer the funds to the Registrar of Unclaimed Money (Jabatan Akauntan Negara Malaysia – JANM).
    • Your family or heirs can claim the money later, but it’s better to withdraw before 100 to avoid complications.

For more accurate Information, you can log in to the EPF / KWSP website https://www.kwsp.gov.my/