EPF Members Investment Scheme Calculator
Find out how much of your EPF savings you can invest in approved unit trust funds.
How is this calculated?
Amount you can invest = (Akaun Persaraan − Basic Savings for your age) × 30%. Minimum investment: RM1,000. Members aged 55 and above can invest from their age-55 withdrawal instead.
Basic Savings table effective 1 January 2026 (18–55)
18RM90019RM1,10020RM1,50021RM1,90022RM4,00023RM6,20024RM8,50025RM11,00026RM13,70027RM16,60028RM19,60029RM22,90030RM26,30031RM30,00032RM33,90033RM38,10034RM42,40035RM47,00036RM51,90037RM57,00038RM62,40039RM68,10040RM74,00041RM80,20042RM86,70043RM93,60044RM100,00045RM108,00046RM115,00047RM124,00048RM132,00049RM141,00050RM150,00051RM160,00052RM170,00053RM181,00054RM192,00055RM203,000
For reference only. The final amount is based on your actual EPF balance and EPF rules at the time of application. Unit trust investments involve risks; returns are not guaranteed.
Where to find your Akaun Persaraan balance
- Open the KWSP i-Akaun app and log in.
- Go to the page that shows your savings by account.
- Find "Akaun Persaraan" and enter that amount (not the total savings).
Tip: your EPF statement (Penyata) also shows the Akaun Persaraan balance.
Akaun Persaraan was formerly Account 1. Do not use your total savings — only the Akaun Persaraan amount counts.