Your i-Account and KWSP account stores important information, balances, contributions, withdrawal history — but it does not tell you "what will happen if" I withdraw a certain amount of money, or "how much I should save" for a comfortable retirement. For that, Hartanah Bumiputera provides six separate KWSP calculators, all free and no login required.


1. KWSP Contribution Calculator

Enter your monthly salary to see employee contributions (11% or 9%, depending on current choice) and employer contributions (13% or 12%, depending on salary ceiling) in detail. Useful for net salary planning and annual savings estimates. Try it at KWSP Contribution Calculator.


2. Flexible Account Withdrawal (Account 3)

Starting May 2024, the three-account KWSP structure introduced Account 3, which can be withdrawn at any time without needing to specify a particular purpose. Our calculator helps you estimate available balance and the impact of withdrawal on your long-term savings. View it at Flexible Account Calculator (Account 3).


3. Account 2 Withdrawal (Wellbeing Account)

Unlike Account 3, Account 2 can only be withdrawn for three specific purposes: housing (buy/build a house or reduce housing loan balance), education, or medical. Our calculator helps you calculate the eligible withdrawal limit based on the selected purpose. View it at Wellbeing Account Calculator (Account 2).


4. EPF i-Invest Investment

KWSP allows a portion of your Account 1 balance to be invested through the i-Invest platform into approved unit trust funds. This calculator helps you compare your estimated investment returns against keeping the money in KWSP at the current dividend rate. Try it at EPF i-Invest Calculator.


5. Retirement Gap (Jurang Persaraan)

Combine your current KWSP balance with your target monthly retirement expenses to see if you're on the right track or if there's a gap that needs to be covered with additional savings. Try it at Retirement Gap Calculator.


6. Net Salary (EPF/SOCSO/EIS/PCB)

For an overall view of how your KWSP contributions interact with SOCSO, EIS, and PCB deductions on your monthly payslip, use the Net Salary Calculator, one calculator, all statutory deductions at once.


Important: All these calculators are illustrative estimates based on official public KWSP rates. For your actual balance and eligibility, please refer to your own i-Account at kwsp.gov.my or contact your KWSP branch.