Kalkulator EPF Malaysia 2026: Kadar Caruman KWSP & Cara Kira
Reviewed for 2026 assessment year rates by the HavaHR team
Apa itu EPF?
Kumpulan Wang Simpanan Pekerja (EPF) ialah skim simpanan persaraan utama Malaysia di bawah Akta KWSP 1991.
Bagaimana Caruman Berfungsi
- Pekerja: 11% gaji bulanan
- Majikan: 13% (≤ RM5,000) atau 12% (> RM5,000)
Akaun EPF
- Akaun 1 (70%): Persaraan (keluar umur 55)
- Akaun 2 (30%): Pelaburan/hartanah/pendidikan/perubatan
Manfaat
- Dividen 507% (sejarah)
- Pelepasan cukai sehingga RM4,000
- Skim perlindungan & kemudahan pengeluaran perumahan
Kesan pada Gaji Bersih
Contoh gaji RM5,000: pekerja RM550 (11%), majikan RM650 (13%) jumlah simpanan RM1,200/bulan.
Caruman Sukarela
- i-Saraan (bekerja sendiri)
- Caruman tambahan sehingga RM60,000 setahun
Related articles
Jadual kurungan cukai pendapatan Malaysia TP 2026, kadar progresif, contoh kiraan gaji, dan cara PCB dikira.
Theory guide to LHDN monthly tax (PCB/MTD), reliefs, and payslip impact. For live net salary & PCB numbers, use the main calculator on the homepage—this article does not replace the tool.
March 15, 2025
Complete Guide to SOCSO (PERKESO) in Malaysia 2026
Everything you need to know about SOCSO contributions, coverage, benefits, and how it protects Malaysian employees from work-related injuries and invalidity.
September 9, 2025
Cara Kira Potongan KWSP, SOCSO, EIS & PCB: Gaji Bersih (2026)
Panduan kiraan gaji bersih: EPF, SOCSO, SKBBK (LINDUNG 24 Jam), EIS, dan PCB. Selari dengan logik kalkulator di laman utama (2026).