EPF Calculator (Malaysia / OFW)
KWSP 2% + 2% guidelineEstimate Employees Provident Fund (KWSP) savings for Filipino OFWs in Malaysia, incorporating employee & employer contribution rates with historical dividend compounding.
KWSP Guideline
Mandatory EPF for non-Malaysian workers covers a 2% employee contribution matched by a 2% employer contribution, earning annual tax-exempt dividends.
KWSP historical: 5.0%–6.0%
OFW Guide
About KWSP / EPF for Foreign Workers
Can OFWs withdraw their EPF when leaving Malaysia?
Yes. Foreign workers who permanently leave Malaysia upon employment end can apply for a full lump-sum withdrawal of their accumulated EPF savings and dividends.
Are EPF dividends guaranteed?
By law, KWSP provides a nominal dividend guarantee of at least 2.5% per year for conventional savings, though actual annual dividends typically range from 5.0% to 6.0%.
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