EPF housing calculator: what your Akaun Sejahtera can do for your home
Key in your balance and your loan. See how much you can take for the down payment, how much interest you save by cutting the loan, or how many months of instalments it covers - and what the same money would become if you left it in EPF.
Where these numbers come from
- Buying a home. EPF lets you take the gap between the price and your approved loan, plus another 10% of the price, or your whole Akaun Sejahtera balance, whichever is lower. You need at least RM500 in the account and must be below 55.
- Cutting the loan. You can take the loan balance or your whole Akaun Sejahtera balance, whichever is lower, once every 12 months, for your first or second home. EPF pays it straight into the loan account. The interest saved is our arithmetic using the standard loan formula every bank uses.
- Paying the instalment. EPF sets the money aside and pays it into your own bank account month by month, at least RM100 a month for six months and never more than your instalment. You need at least RM600 and the payments must end before you turn 55.
- Rules read from the official kwsp.gov.my housing withdrawal pages on 2 October 2026. The "left in EPF" figure assumes the same dividend every year, which will not happen exactly; change the percentage to see a lower or higher case.
Read the full guides
Not sure which one fits you?
WhatsApp us your numbers. We work out which of the three leaves you better off, for the home you are looking at.
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This is an estimate, not financial advice and not an EPF decision. EPF approves the actual amount from your documents.
