The Employees Provident Fund (EPF) has recently introduced its Belanjawanku 2024/2025 and Retirement Income Adequacy (RIA) Framework. This update shows that individuals will need about RM390,000 by the age of 60 to cover basic retirement needs, which is a significant increase from before.

Age Categories:

18-23

18：

Basic Savings：RM1,400 | Adequate Savings：RM1,500 | Enhanced Savings：RM2,500

19：

Basic Savings：RM1,700 | Adequate Savings：RM1,800 | Enhanced Savings：RM3,100

20：

Basic Savings：RM2,200 | Adequate Savings：RM2,300 | Enhanced Savings：RM3,900

21：

Basic Savings：RM2,800 | Adequate Savings：RM3,000 | Enhanced Savings：RM5,000

22：

Basic Savings：RM5,800 | Adequate Savings：RM6,400 | Enhanced Savings：RM10,800

23：

Basic Savings：RM9,200 | Adequate Savings：RM10,100 | Enhanced Savings：RM16,700

24-30

24：

Basic Savings：RM12,300 | Adequate Savings：RM14,100 | Enhanced Savings：RM24,300

25：

Basic Savings：RM15,900 | Adequate Savings：RM19,000 | Enhanced Savings：RM30,700

26：

Basic Savings：RM19,800 | Adequate Savings：RM23,400 | Enhanced Savings：RM40,900

27：

Basic Savings：RM23,800 | Adequate Savings：RM28,600 | Enhanced Savings：RM51,200

28：

Basic Savings：RM28,300 | Adequate Savings：RM32,500 | Enhanced Savings：RM62,800

29：

Basic Savings：RM33,000 | Adequate Savings：RM40,700 | Enhanced Savings：RM72,800

30：

Basic Savings：RM49,100 | Adequate Savings：RM54,800 | Enhanced Savings：RM99,100

31-37

31：

Basic Savings：RM49,100 | Adequate Savings：RM54,800 | Enhanced Ssavings：RM99,100

32：

Basic Savings：RM55,100 | Adequate Savings：RM62,700 | Enhanced Ssavings：RM114,000

33：

Basic Savings：RM61,400 | Adequate Savings：RM71,200 | Enhanced Ssavings：RM129,000

34：

Basic Savings：RM68,100 | Adequate Savings：RM80,300 | Enhanced Ssavings：RM147,000

35：

Basic Savings：RM75,100 | Adequate Savings：RM90,000 | Enhanced Ssavings：RM165,000

36：

Basic Savings：RM75,100 | Adequate Savings：RM100,800 | Enhanced Ssavings：RM185,000

37：

Basic Savings：RM82,600 | Adequate Savings：RM111,000 | Enhanced Ssavings：RM206,000

38-44

38：

Basic Savings：RM90,400 | Adequate Savings：RM123,000 | Enhanced Savings：RM229,000

39：

Basic Savings：RM98,600 | Adequate Savings：RM136,000 | Enhanced Savings：RM253,000

40：

Basic Savings：RM107,000 | Adequate Savings：RM149,000 | Enhanced Savings：RM279,000

41：

Basic Savings：RM116,000 | Adequate Savings：RM1164,000 | Enhanced Savings：RM305,000

42：

Basic Savings：RM125,000 | Adequate Savings：RM179,000 | Enhanced Savings：RM336,000

43：

Basic Savings：RM135,100 | Adequate Savings：RM195,000 | Enhanced Savings：RM368,000

44：

Basic Savings：RM145,000 | Adequate Savings：RM213,000 | Enhanced Savings：RM402,000

45-51

45：

Basic Savings：RM156,000 | Adequate Savings：RM231,000 | Enhanced Savings：RM438,000

46：

Basic Savings：RM167,000 | Adequate Savings：RM250,000 | Enhanced Savings：RM476,000

47：

Basic Savings：RM179,000 | Adequate Savings：RM271,000 | Enhanced Savings：RM516,000

48：

Basic Savings：RM191,000 | Adequate Savings：RM292,000 | Enhanced Savings：RM559,000

49：

Basic Savings：RM201,000 | Adequate Savings：RM315,000 | Enhanced Savings：RM606,000

50：

Basic Savings：RM217,000 | Adequate Savings：RM339,000 | Enhanced Savings：RM652,000

51：

Basic Savings：RM231,000 | Adequate Savings：RM365,000 | Enhanced Savings：RM703,000

52-58

52：

Basic Savings：RM246,000 | Adequate Savings：RM390,000 | Enhanced Savings：RM757,000

53：

Basic Savings：RM261,000 | Adequate Savings：RM417,000 | Enhanced Savings：RM813,000

54：

Basic Savings：RM277,000 | Adequate Savings：RM446,000 | Enhanced Savings：RM873,000

55：

Basic Savings：RM294,000 | Adequate Savings：RM476,000 | Enhanced Savings：RM935,000

56：

Basic Savings：RM312,000 | Adequate Savings：RM508,000 | Enhanced Savings：RM1,000,000

57：

Basic Savings：RM330,000 | Adequate Savings：RM541,000 | Enhanced Savings：RM1,070,000

58：

Basic Savings：RM349,000 | Adequate Savings：RM576,000 | Enhanced Savings：RM1,140,000

59-60

59：

Basic Savings：RM369,000 | Adequate Savings：RM612,000 | Enhanced Savings：RM1,220,000

60：

Basic Savings：RM190,000 | Adequate Savings：RM650,000 | Enhanced Savings：RM1,300,000

**Last Updated on 15.08.2025

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