EPF / ETF Retirement Projector

What your EPF (20% of gross) and ETF (3% of gross) could grow to by retirement — with salary growth and compounding interest, year by year.

Current age

yrs

Retirement age

yrs

Gross monthly salary

Annual salary growth

%/yr

Current EPF balance (from your statement)

Current ETF balance

EPF interest rate (declared annually)

%/yr

ETF interest rate

%/yr

Retirement age must be greater than current age.

Total at retirement

—

EPF balance

—

8% you + 12% employer

ETF balance

—

3% employer

Interest earned

—

Balance growth to retirement

Money paid in (opening + contributions) Interest / compounding growth

Year-by-year schedule

Age	Salary /mo	Paid in (yr)	EPF balance	ETF balance	Total

Statutory rates: EPF = your 8% + employer 12% (20% of gross total); ETF = employer 3%. Contributions are made monthly on your gross salary.
Interest compounds monthly here as an approximation; in reality the EPF and ETF declare a rate annually, and it moves with market conditions. Adjust the rate inputs to test scenarios.
Salary growth is applied once every 12 months. Promotions, job changes and inflation will make reality lumpier than the curve.
Figures are gross — withdrawal rules and any concessionary tax treatment on retirement benefits are not modelled. Treat this as a planning estimate, not advice.