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Voluntary EPF · 2026
i-Saraan & EPF Incentive Calculator 2026
Plan your 2026 i-Saraan, i-Saraan Plus or i-Suri top-up. Estimate the government incentive and how much more to contribute for the annual maximum.
How the 2026 incentive plan works
Start with your registered scheme
For eligible participants, i-Saraan offers 20% up to RM500 a year, i-Saraan Plus 20% up to RM600, and i-Suri 50% up to RM300. Divide the cap by the rate to find the full-match contribution: RM2,500, RM3,000 or RM600. Select the scheme you qualify for; these incentives cannot be added together.
Example: RM1,000 contributed to i-Saraan
An eligible member with RM1,000 received in 2026 has an estimated RM200 incentive. Another RM1,500 contribution reaches the RM2,500 target and can earn an additional RM300 incentive, bringing the annual estimate to RM500. The top-up is your own contribution; the incentive is the government’s separate addition.
Check eligibility and receipts before contributing
This is a 2026 annual planner, not an eligibility checker. Confirm scheme registration, any platform or eKasih requirements, age limits and the remaining aggregate voluntary contribution limit with KWSP. Payments must be received within the eligible year. Government incentives may be credited later; estimated amounts are not guaranteed payouts.