EPF Retirement Projection
How much will your EPF be worth when you retire? Your balance today, your salary and how it grows, and the return the EPF declares each year — the tool adds it all up month by month.
This is an estimate, not a guarantee. The return rate and your salary growth are assumptions — the EPF declares a different rate each year, and your salary may grow faster or slower. The figure here is only as good as those two guesses.
This is your EPF only. The ETF (3% from your employer) is a separate fund with the ETF Board, so it is not counted here.
The EPF pays your money as one lump sum when you retire — not a monthly pension.
Every month, 20% of your salary goes into the EPF — 8% from you and 12% from your employer. The balance grows by the return rate each month, and your salary steps up once a year by the growth rate.
Net salary with 8% employee EPF, 12% employer EPF, 3% ETF and downloadable payslip.
EPF 8% + 12%, ETF 3% on any salary, plus gratuity after 5 years of service.
Vehicle lease installments and loan EMI, flat vs reducing rate comparison.
Questions
No. The ETF is 3% from your employer, but it goes to a separate fund run by the ETF Board — it is not part of your EPF balance, so this tool does not count it.
The EPF declares a rate each year and it varies. The 9% here is a cautious starting point — type a lower rate if you want a conservative estimate, or the latest declared rate if you know it.
No — the EPF pays your whole balance as one lump sum when you retire. If you want a monthly income after retirement, that lump sum is what you would invest or live off.
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