Malaysian EPF, SOCSO & EIS Contribution Calculator
| Employee | RM0.00 |
| Employer | RM0.00 |
| Total EPF | RM0.00 |
| Employee | RM0.00 |
| Employer | RM0.00 |
| Total SOCSO | RM0.00 |
| Employee | RM0.00 |
| Employer | RM0.00 |
| Total EIS | RM0.00 |
| Gross Salary | RM0.00 |
| Employee Deductions | RM0.00 |
| Employer Contributions | RM0.00 |
| Net Take-Home | RM0.00 |
The Employees Provident Fund (EPF / KWSP) is a mandatory retirement savings scheme managed by Kumpulan Wang Simpanan Pekerja. Both employees and employers contribute a portion of the employee's monthly salary into an EPF account.
| Category | Employee | Employer |
| Malaysian / PR, below 60, salary ≤ RM5,000 | 11% | 13% |
| Malaysian / PR, below 60, salary > RM5,000 | 11% | 12% |
| Malaysian / PR, age 60 & above | 5.5% | 4% |
| Non-Malaysian (from Aug 1998) | 11% | RM5.00 flat |
EPF contributions are calculated using a wage bracket table published by KWSP, not by simple percentage multiplication. The table rounds contributions to the nearest ringgit based on salary bands (e.g., RM20 increments). This is why the calculated amount may differ slightly from a flat percentage.
Contributions are split into Account 1 (75%) for retirement and Account 2 (25%) for housing, education, and medical withdrawals. Account 1 can only be withdrawn at age 55 (with some exceptions), while Account 2 allows earlier withdrawals for approved purposes.
SOCSO (PERKESO) provides social security protection to employees and their dependents through two schemes:
Like EPF, SOCSO uses a contribution table based on salary brackets, not exact percentages. The maximum insured salary is RM6,000/month — contributions are capped at this level regardless of actual salary.
Employees aged 60 and above are only covered under the Employment Injury Scheme (First Category only). They are exempted from the Invalidity Scheme, so the employee contribution drops to zero and the employer pays only the injury portion (~1.25%).
The Employment Insurance System (EIS / SIP), managed by PERKESO, provides temporary financial assistance to employees who lose their jobs. It was introduced in 2018.
Both employee and employer contribute 0.2% of monthly wages each (total 0.4%). The maximum insured salary is RM5,000/month. Like SOCSO, a bracket-based contribution table is used.
Employees aged 57 and above who have never contributed to EIS before are exempted from EIS contributions. Those already contributing before age 57 continue until they stop employment.
Malaysian statutory contributions differ significantly based on age due to the country's retirement and social protection framework:
| Scheme | Below 60 | 60 & Above | Reason |
| EPF | Employee 11%, Employer 12-13% | Employee 5.5%, Employer 4% | Reduced rates to encourage continued employment while allowing retirement drawdowns |
| SOCSO | Both injury + invalidity schemes | Injury scheme only (employer only) | Invalidity scheme covers until retirement age; post-60 only occupational injuries apply |
| EIS | 0.2% each (employee + employer) | Exempted (if first employed after 57) | EIS is designed for working-age retrenchment; seniors are covered by other safety nets |
The rationale is that employees past retirement age (60) are already eligible to withdraw their full EPF savings and receive SOCSO invalidity pension. Continuing at full contribution rates would unnecessarily burden both elderly workers and their employers, potentially discouraging the hiring of senior citizens.
The Malaysian government periodically reviews these rates. The reduced rates for seniors were introduced to support the Silver Economy initiative — encouraging older Malaysians to remain economically active while still receiving baseline protection.