4. How to Calculate EPF?

4. How to Calculate EPF?

The information below shall only be used for reference purposes. iWoWSoft has been trying its best to keep the information up to date and align with the KWSP website(www.kwsp.gov.my). However, iWoWSoft is not liable for any misleading and inaccurate information provided. Users shall always confirm with KWSP to ensure they are in compliance with the statutory requirements. 

There have some scenario which the EPF employer contribution is calculated at the rate of 13% with EPF wages and not refer to Third Schedule. Please refer to the calculation below:

EPF Official Requirement
==========================
If the employer pays bonus to an employee who receives monthly wages of RM5,000.00 and below and upon receiving the said bonus renders the wages received for that month to exceed RM5,000.00, the calculation of the employer contribution rate shall be calculated at the rate of 13% (calculation by percentage), and the total contribution which includes cents shall be rounded to the next ringgit.

For example,

Calculation 1:
Basic Salary: RM 3000
Bonus: RM 2456.89

EPF Wages: RM 3000 + RM 2456.89 = RM 5456.89
EPF Employer Contribution: RM 5456.89 x 13% = calculation by percentage
EPF Employee Contribution: RM 5456.89 x 11% = refer Third Schedule


Calculation 2:
Basic Salary: RM 6000
Bonus: RM 2456.89

EPF Wages: RM 6000 + RM 2456.89 = RM 8456.89 
EPF Employer Contribution: RM 8456.89 x 12% = refer Third Schedule
EPF Employee Contribution: RM 8456.89 x 11% = refer Third Schedule 

Calculation 3:
Basic Salary: RM 2000
Bonus: RM 2456.89

EPF Wages: RM 2000 + RM 2456.89 = RM 4456.89
EPF Employer Contribution: RM 4456.89 x 13% = refer Third Schedule
EPF Employee Contribution: RM 4456.89 x 11% = refer Third Schedule

There will be a difference between the amount in Third Schedule and the actual calculation by percentage. The rate of contribution in the third schedule is set based on range between wages amount. For example: from RM1000- RM 1100). 

The information below shall only be used for reference purposes. iWoWSoft has been trying its best to keep the information up to date and align with the KWSP website(www.kwsp.gov.my). However, iWoWSoft is not liable for any misleading and inaccurate information provided. Users shall always confirm with KWSP to ensure they are in compliance with the statutory requirements. 

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