EPF Contribution by Salary Malaysia
Current employee and employer EPF contribution examples across common Malaysian salary bands, using the current KWSP contribution framework.
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Worked examples
| Gross salary | Employee EPF | Employer EPF | Total EPF |
|---|---|---|---|
| RM2,500 | RM275 | RM325 | RM600 |
| RM3,000 | RM330 | RM390 | RM720 |
| RM3,500 | RM385 | RM455 | RM840 |
| RM4,000 | RM440 | RM520 | RM960 |
| RM4,500 | RM495 | RM585 | RM1,080 |
| RM5,000 | RM550 | RM650 | RM1,200 |
| RM6,000 | RM660 | RM720 | RM1,380 |
| RM7,000 | RM770 | RM840 | RM1,610 |
| RM8,000 | RM880 | RM960 | RM1,840 |
| RM10,000 | RM1,100 | RM1,200 | RM2,300 |
| RM12,000 | RM1,320 | RM1,440 | RM2,760 |
| RM15,000 | RM1,650 | RM1,800 | RM3,450 |
| RM18,000 | RM1,980 | RM2,160 | RM4,140 |
| RM20,000 | RM2,200 | RM2,400 | RM4,600 |
| RM25,000 | RM2,750 | RM3,000 | RM5,750 |
| RM30,000 | RM3,300 | RM3,600 | RM6,900 |
RM3,000
At RM3,000 gross, employee EPF is RM330 and employer EPF is RM390 in this standard category example, for RM720 total EPF.
RM5,000
At RM5,000 gross, employee EPF is RM550 and employer EPF is RM650 in this standard category example, for RM1,200 total EPF.
RM8,000
At RM8,000 gross, employee EPF is RM880 and employer EPF is RM960 in this standard category example, for RM1,840 total EPF.
RM10,000
At RM10,000 gross, employee EPF is RM1,100 and employer EPF is RM1,200 in this standard category example, for RM2,300 total EPF.
RM15,000
At RM15,000 gross, employee EPF is RM1,650 and employer EPF is RM1,800 in this standard category example, for RM3,450 total EPF.
RM30,000
At RM30,000 gross, employee EPF is RM3,300 and employer EPF is RM3,600 in this standard category example, for RM6,900 total EPF.
Source and methodology
For salaries at or below RM20,000, employers should refer to the current KWSP Third Schedule rather than simply multiplying a percentage. The rounded salary examples below match the applicable standard contribution bands for a Malaysian/PR employee below age 60. For wages above RM20,000, KWSP allows exact-percentage calculation.
- KWSP / EPF Act 1991 Third Schedule
- KWSP Mandatory Contribution
- PERKESO Contribution Rate
- HASiL PCB / MTD Specifications
Last reviewed: 10 September 2026.
Why we consolidated the old salary pages
The previous build had separate pages for every salary amount. They were too similar and created little information gain. This master table keeps every salary example in one useful resource instead of manufacturing dozens of near-duplicate URLs.
FAQ
Is EPF always exactly 11% from my salary?
The standard employee rate is 11% for the common below-60 Malaysian/PR category, but for wages up to RM20,000 employers are instructed to use the official Third Schedule contribution bands.
Why is PCB not shown as one fixed amount?
Because 2026 monthly tax deduction depends on the employee's tax profile and payroll inputs. A universal number would be misleading.
Does SOCSO stop increasing above RM6,000 salary?
PERKESO applies a RM6,000 contribution wage ceiling from October 2024, subject to the applicable contribution schedule.
Can I use the home-loan figure as my bank eligibility?
No. It is a transparent illustration only. Banks use their own DSR, income, credit and product rules.
Why redirect the old RM-specific pages?
Because a consolidated page with all salary examples is more useful and avoids near-duplicate doorway-style pages.
When was this methodology reviewed?
10 September 2026.