EPF Retirement Adequacy Simulation
Policy Lever Scorecard v2.0
Interactive simulation under Malaysia's RIA Framework (2026). Supports current age/balance, cohort segmentation, crisis scarring analysis and Monte Carlo uncertainty modelling.
Your Details
Employee %11%
0%20%
Employer %12%
0%20%
Wage Growth3.5% p.a.
0% p.a.8% p.a.
EPF Dividend5.5% p.a.
3% p.a.8% p.a.
Current Position (Age 35)
55%
Behind Target
Your RM80K is 55% of the Basic target of RM146K for age 35.
Below Basic
Your Balance vs Age-Based Targets
Basic target at 35: RM146K55%
Adequate target at 35: RM244K33%
Enhanced target at 35: RM488K16%
Monthly Contribution
RM440
Employee (11%)
RM480
Employer (12%)
RM920
Total (23%)
Projection at Age 60
Projected Balance
RM1.19M
Tier at Retirement
Adequate
Monthly Income
RM4,969
Estimated for 20 years
Income Duration
20 yrs
How to Reach Enhanced
You need an additional RM108K by retirement. That's roughly RM175/month in additional voluntary contributions (via i-Simpan / i-Topup).
Extra Monthly Savings (i-Simpan)0 RM
Voluntary top-up to see impact
0 RM10000 RM
Your Savings Trajectory
Current plan
Age-Based Savings Milestones (RIA Framework)
| Age | Basic Target | Adequate Target | Enhanced Target | Your Projected | Status |
|---|---|---|---|---|---|
| 25 | RM49K | RM81K | RM163K | — | |
| 30 | RM98K | RM163K | RM325K | — | |
| 35 ← you | RM146K | RM244K | RM488K | RM80K | Below Basic |
| 40 | RM195K | RM325K | RM650K | RM193K | Below Basic |
| 45 | RM244K | RM406K | RM813K | RM333K | Basic |
| 50 | RM293K | RM488K | RM975K | RM531K | Adequate |
| 55 | RM341K | RM569K | RM1.14M | RM809K | Adequate |
| 60 | RM390K | RM650K | RM1.30M | RM1.19M | Adequate |
Your Assessment Summary
At age 35 with a salary of RM4,000/mo and RM80K saved, you are at 55% of the Basic target for your age. Your monthly EPF contribution of RM920 (23% of salary) projects to RM1.19M by age 60 — placing you in the Adequate tier. To reach Enhanced, you'd need approximately RM175/month in additional voluntary contributions via i-Simpan or i-Topup. Your projected retirement income is approximately RM4,969/month over 20 years. — above the Belanjawanku benchmark of RM2,690/month.