EPF Dividend 2026: Rate, History & Calculator
Today's KWSP dividend rate, the full history, and free calculators. Need cash now? How to withdraw from EPF →
- ✅ Credited to members in early 2026
- ✅ Guaranteed minimum 2.5% (Konvensional, EPF Act 1991)
- ✅ 13-year average ≈ 6.02% — see full history
How Much EPF Savings Do You Need to Retire?
EPF's official 2026 retirement targets (the RIA Framework) — check yours with the tracker below.
Adequate Savings within reach
Projected RM1,255,185 clears the RM650,000 Adequate benchmark. To target Enhanced Savings (RM1,300,000), diversify beyond EPF's single dividend.
Illustrative projection by Rates.my — compounds your current balance and contributions at a flat 5.5% to age 60, then compares against EPF's published RIA benchmarks. Not financial advice; actual dividends, salary growth and withdrawals vary.
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EPF Dividend Calculator
The dividend is the engine behind your retirement target. See what 2025's rate earns you.
Dividend history
EPF Dividend History (2013–2025)
Tap any year on the chart, or switch to the full rate table.
| Year | Konvensional | Shariah |
|---|---|---|
| 2025 | 6.15% | 6.15% |
| 2024 | 6.30% | 6.30% |
| 2023 | 5.50% | 5.40% |
| 2022 | 5.35% | 4.75% |
| 2021 | 6.10% | 5.65% |
| 2020 | 5.20% | 4.90% |
| 2019 | 5.45% | 5.00% |
| 2018 | 6.15% | 5.90% |
| 2017 | 6.90%Peak | 6.40% |
| 2016 | 5.70% | — |
| 2015 | 6.40% | — |
| 2014 | 6.75% | — |
| 2013 | 6.35% | — |
Source: KWSP official announcements. Simpanan Shariah launched in 2017. Rates are historical and not a guarantee of future returns.
Money In — What You Pay & Can Deposit
Your monthly contribution, plus how much extra you can top up.
Money Out — Accounts & Withdrawal Rules
Each contribution splits 3 ways. Tap an account for the criteria and how much you can take — or read the full EPF withdrawal guide.
- Age 55 — take it all, draw it monthly (min RM100/mo), or leave it in to keep earning dividends
- Age 60 — access the remainder (Akaun Emas)
- Permanent incapacity, leaving Malaysia for good, or death (paid to your nominees)
- Invest: move up to 30% of savings above your Basic Savings into approved funds (i-Invest)
Full balance from 55 — lump sum or monthly via i-Emas. No lifestyle withdrawals before 55.
- 🏠 Housing — buy/build a home, cut or redeem your loan (once a year), or auto-pay monthly instalments
- 🏥 Health — approved critical illness, medical bills & fertility (IVF/IUI) for you & family
- 🎓 Education — tuition for you or your children, local or overseas
- 🕋 Hajj — top up your Tabung Haji shortfall (max RM3,000)
- Age 50 — one-time partial withdrawal
Each type has its own minimum (≈RM500 for housing, lower for others) and is capped to the eligible cost or your balance.
- Any reason, no documents — must be under age 55
- Withdraw via the KWSP i-Akaun app, once a day
- Refills automatically as new contributions come in
Minimum RM50 per withdrawal, up to your full Akaun Fleksibel balance.
EPF vs ASB vs Fixed Deposit
Tap a column to compare. Behind on your retirement target? Grow money outside EPF with FDs, ASB/ASM or dividend stocks.
| Typical return | 5–6% p.a. | ~5% p.a. | ~2.5–4% p.a. |
|---|---|---|---|
| Guaranteed? | 2.5% floor (Konv) | No, but stable | Yes — PIDM ≤ RM250k |
| Liquidity | Low — locked to 55 | High — anytime | Fixed tenure |
| Risk | Very low | Low | Very low |
| Best for | Retirement core | Flexible savings | Short-term parking |
| Who can join | Employed / voluntary | Bumiputera (ASM: all) | Everyone |
| You're here | See rates → | See rates → |
EPF dividend discussion
Got a question about this year's rate, the RIA targets, or how EPF compares to ASB? Ask below — other members and our team chime in.
💬 Discussion
EPF Dividend & Withdrawal — FAQ
The Retirement Income Adequacy (RIA) Framework took effect on 1 January 2026. It replaces the old single "Basic Savings" target with three benchmarks measured at retirement: Basic Savings (RM290,000, the floor for bare necessities), Adequate Savings (RM650,000, for a comfortable life) and Enhanced Savings (RM1,300,000, for greater security). The Basic target is phased in — RM290,000 in 2026, rising to RM390,000 by 2028.
EPF benchmarks adequacy at retirement, not by single-year age bands. Use the tracker above: enter your age, current balance and monthly contribution, and it projects your EPF at age 60 and compares it to the RIA Basic, Adequate and Enhanced targets so you can see if you're on the RM290,000 Basic Savings trajectory.
Both are voluntary top-up channels EPF pushed in 2026. i-Top Up lets employees add voluntary excess contributions on top of the statutory rate. i-Saraan Plus targets gig and self-employed workers — the government matches your voluntary contributions with up to RM600 a year, capped at RM6,000 over your lifetime. It's effectively free money toward your Basic Savings.
From 2026, members under 55 whose total EPF savings exceed RM1,100,000 can withdraw the amount above that limit before retirement. The threshold rises in later years (around RM1.2m in 2027 and RM1.3m in 2028). It mainly affects high-income earners; most members are well below it.
For 2025, EPF (KWSP) declared 6.15% for Simpanan Konvensional and 6.15% for Simpanan Shariah, credited in early 2026. Simpanan Konvensional carries a legislated minimum dividend of 2.5% under the EPF Act 1991.
EPF declares each year's dividend early the following year — usually in the first quarter — so the 2026 dividend is announced and credited in early 2027. Dividends accrue on your daily balance and compound once credited. As a guide, the last six years ranged from 5.20% to 6.30% for Simpanan Konvensional; the most recent (2025) was 6.15%.
Over the last decade the highest Simpanan Konvensional dividend was 6.90% (2017). Rates were higher in earlier decades but EPF guarantees a minimum of 2.5% under the EPF Act 1991.
Only Akaun Fleksibel (10%) can be withdrawn anytime — via the i-Akaun app, minimum RM50, under age 55. Akaun Persaraan (75%) unlocks at 55, and Akaun Sejahtera (15%) is for housing, health and education. See our full EPF withdrawal guide for the criteria, amounts and step-by-step.
Since the May 2024 restructure, new contributions split into three accounts: Akaun Persaraan (75%, locked until retirement), Akaun Sejahtera (15%, for housing, education and health) and Akaun Fleksibel (10%, withdrawable anytime). All three earn the same annual dividend.
No. EPF savings and the dividends they earn are exempt from income tax in Malaysia. On top of that, your own mandatory and voluntary EPF contributions qualify for personal tax relief (up to RM4,000 a year under the life-insurance-and-EPF category).
EPF has historically paid more (around 5–6%+) than fixed deposits (about 2.5–4%), with a 2.5% guaranteed floor — but it's largely locked until age 55. ASB/ASM sit in between: stable ~5% returns with anytime access. Most Malaysians keep EPF as their retirement core and add flexible savings on top. See the comparison above.