EPF / ETF Calculator
See exactly how much goes into your retirement fund each month — from you and from your employer.
Your EPF (8%, deducted from salary)
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Employer EPF (12%)
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Employer ETF (3%)
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Total monthly contribution
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EPF vs ETF, in plain terms
EPF (Employees' Provident Fund) is a retirement savings pot — 8% comes out of your salary, and your employer adds 12% on top, so 20% of your salary total goes in every month. ETF (Employees' Trust Fund) is a separate, employer-only 3% contribution — you don't pay into it, but it's still yours at retirement.