🎚️ Am I on track for my age?
EPF publishes a target for every age — how much they consider adequate savings at that point in your life. Most members have never seen it. Here's where you stand.
This tool is being verified
This comparison relies on EPF's official Basic Savings figures. We don't publish it until every figure has been checked against the current table on kwsp.gov.my — a benchmark you can't trust is worse than no benchmark at all.
Common questions
What is EPF Basic Savings?
Basic Savings (Simpanan Asas) is EPF's published benchmark for how much a member should have at each age to reach a baseline amount by 55. It exists mainly to determine eligibility for EPF's investment scheme, but it doubles as the only official yardstick Malaysians have for whether their retirement savings are on track.
Is Basic Savings enough to retire on?
No, and it is not meant to be. Basic Savings is a minimum adequacy benchmark assuming a modest standard of living. Meeting it means you are on EPF's baseline, not that you will be comfortable. A useful second test is to divide your projected balance at 55 by 240 — that is roughly your monthly income over 20 years — and ask whether it covers your expected costs.
What should I do if I am below the benchmark for my age?
It is very common, and it is not a verdict on you — the benchmark assumes unbroken full-time employment from age 18, which almost nobody has. The practical options are voluntary EPF contributions above the statutory rate, i-Saraan if you are self-employed, or saving outside EPF for flexibility. Build an emergency fund first, though: EPF money is not reachable when something breaks.
Where do I check my EPF balance?
Through the KWSP i-Akaun app or website, at an EPF kiosk, or at any EPF branch. Use your total across all accounts for this comparison.