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The EPF calculator enables you to determine how much you can withdraw from your EPF Account 1 for investment

Age

Balance in EPF Account 1 (RM)

Investable Amount

RM 0

Basic Savings Required

RM 0

*Minimum investable amount required is RM1,000 to be eligible.

The Importance of Basic Savings by EPF

Basic Savings is a pre-determined amount set according to age in Account 1 to enable members achieve a minimum savings of RM240,000 when they reach age 55. The implementation of the Basic Savings is to ensure that members have sufficient savings at a minimum amount of RM1,000 per month when they retire in order to support their basic retirement needs for 20 years from age 55 to 75, in line with Malaysians' life expectancy.

The amount in excess of the Basic Savings can be invested in appointed Fund Management Institutions. The latest revision in this quantum has been implemented starting 1 January 2019. (Source: KWSP/EPF Official Website)

The EPF members are not allowed to invest more than 30% after the deduction of Basic Savings in Account 1. The minimum amount of savings that can be transferred is RM1,000 and the investment can be made at intervals of 3 months from the date of the last transfer which subject to the availability of the basic savings required in Account 1. Click here to view basic savings table.

Explore EPF Approved Funds Now!

Age	Savings in Account 1	Basic Savings	Calculation for Investment [(Account 1 – Basic Savings) x 30 %]	EPF Members' eligibility
23	RM 5,000	RM 13,000	-	EPF member is not eligible due to the savings in account 1 is less than basic savings.
26	RM 24,000	RM 21,000	(RM 24,000 - RM 21,000) X 30% = RM900	EPF member is not eligible due to the minimum eligible amount is RM 1,000.
35	RM 150,000	RM 57,000	(RM 150,000 - RM 57,000) X 30% = RM27,900	EPF member is eligible. The minimum eligible amount is RM 1,000 and can be made at intervals of 3 months from the last transfer.

Age

Savings in Account 1

Basic Savings

Calculation for Investment [(Account 1 – Basic Savings) x 30 %]

EPF Members' eligibility

RM 5,000

RM 13,000

EPF member is not eligible due to the savings in account 1 is less than basic savings.

RM 24,000

RM 21,000

(RM 24,000 - RM 21,000) X 30% = RM900

EPF member is not eligible due to the minimum eligible amount is RM 1,000.

RM 150,000

RM 57,000

(RM 150,000 - RM 57,000) X 30% = RM27,900

EPF member is eligible. The minimum eligible amount is RM 1,000 and can be made at intervals of 3 months from the last transfer.

AGE	BASIC SAVINGS QUANTUM	AGE	BASIC SAVINGS QUANTUM
18	2,000	37	68,000
19	4,000	38	74,000
20	6,000	39	80,000
21	8,000	40	86,000
22	10,000	41	93,000
23	13,000	42	101,000
24	15,000	43	108,000
25	18,000	44	116,000
26	21,000	45	125,000
27	24,000	46	134,000
28	27,000	47	144,000
29	31,000	48	154,000
30	35,000	49	164,000
31	39,000	50	175,000
32	43,000	51	187,000
33	47,000	52	199,000
34	52,000	53	212,000
35	57,000	54	226,000
36	62,000	55	240,000

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