MY EPF Flexible Account 2027 Withdrawal Calculator
From May 2024, new EPF contributions split 75/15/10 across Account 1/2/3. Account 3 (Flexible) allows on-demand withdrawal for any purpose. Calculate balance + accessibility.
| Monthly contribution | — |
| Months contributing | — |
| Total raw contribution | — |
| Account 1 (75%) FV | — |
| Account 2 (15%) FV | — |
| Account 3 (10%) FV | — |
| Total EPF balance | — |
From 11 May 2024, Malaysia's EPF restructured into three accounts: Account 1 (75% of new contributions) — retirement, no withdrawal until 55. Account 2 (15%) — housing, education, health withdrawals as before. Account 3 (10% - Flexible Account) — on-demand withdrawal for any purpose, minimum RM50.
Account 3 Mechanics
Receives 10% of new contributions (employer + employee) from May 2024 onward. Pre-existing balances stay in Account 1/2 — no auto-transfer. Withdrawal: any amount RM50+, no purpose restriction, no tax. Just request via i-Akaun KWSP app.
Trade-off: Liquidity vs Compounding
Withdrawing from Account 3 loses future EPF dividend (5-6% historically) on that amount. Over 20 years, RM10,000 withdrawn vs left = RM30,000+ opportunity cost. Use only for genuine emergencies — not for lifestyle purchases.
One-Time Transfer Option
In 2024, EPF allowed a one-time transfer of existing Account 2 balance to Account 3 (limited to RM3,000 floor + 50% of A2 balance). Useful if you needed liquidity then. Closed for new transfers — only ongoing 10% flow applies.
Long-Term Retirement Impact
10% diverted from retirement-locked Account 1 means slightly less compounding for retirement. EPF estimates 5-10% lower retirement balance for those who consistently withdraw from Account 3. Plan accordingly.
Last updated May 2026. Sources: EPF Account Restructuring, EPF i-Akaun Member.