at least they split out so easier for reporting especially on the i-topup part
very soon we will see some statistic for i-topup

this part can you clarify.. I think I saw, was 3k +4k right in the tax relief form.?

Same. Never explain difference also. This is stupid!! No problem, go and create a problem!

So i-topup is say, default is 13% of salary, now you change to 20%? The explanation didn't say anything useful at all.

i am confused.... old already I guess.. don't understand even EPF's youngster hip phrases...

i guess since it is "topup", if i-topup is written as 7%, then the total deduction from salary is now 11% + 7%... with 11% being the default????

right??? so same same as before name change?


why choose i-Simpan? no wonder b40 and m40 always think epf is not a retirement fund but a simpanan like bank deposit and anytime can take out...
should have named it i-kaya mah.... lol

This post has been edited by Wedchar2912: Dec 8 2025, 11:49 AM

My HR is asking questions regarding my interest in increasing my Voluntary Excess (VE) / i-Topup to 50% and told me cant be done if I already contributed 100,000 through self-contribution. This is bullshit right? I maxed 100k and my contribution rate was 14% since years already.

Should be able to.

I have mine at 30 something percent, with self contribution as well. Both are not related to any total contribution

I cannot confirm it, ...but i will bet heavily on your HR is wrong.

Contribution in excess of mandatory rate is not linked to the amount of any self contributed amount, ( I saraan, I suri, top up for parents, self contribution etc etc, which total max 100k).
But since it is your HR, ...ask kwsp directly ( by email) then see if you want to forward it to your HR the answers

I just checked with EPF through WhatsApp - my HR is wrong:


"You are eligible to top up your contribution under i-Simpan up to a maximum amount of RM100,000 per year. It is a contribution payment made by yourself.

For the VE option, it is a contribution payment through salary deduction and made by the employer. It is not counted at all with i-Simpan. So you are eligible for the VE option to increase the contribution percentage"

Apparently you can set it even higher than 50% which is great. I am currently divesting my US investments and this a quick and easy way to get the money into EPF for retirement. Risk appetite getting lower with age now.

Did make zero sense because all this while my contribution rate has been 14% with maxed out self-contribution ¯_(ツ)_/¯

This post has been edited by PJusa: Dec 8 2025, 03:58 PM

why so confused bro..

employee self requested increased contribution is not considered i-top up,
there is no extra benefit in tax relief if you already maxed the 4k
no Rm100k limit


voluntary self contribution unrelated to salary is the i-top up,
tax relief extra 3k above your statutory 4k from salary
there is limit RM100k a year

so they are not the same thing

i-simpan is totally new
meant to incentivise gig workers, self employed or even house wives
likely with more incentives then what you can get from i saraan
which will be phased out

Haha. Ur HR don't want to do extra work to change your top up, ie employee rate, to a higher number.

Self contribution nothing to do with HR.

Actually speaking...

What the highest we can go huh??

I remember someone posted can go till like 70% or 80% of salary???

Didn't hear anyone managed to go 90% or above 🤔

some company has policy like the statutory and/or non-statutory deductions cannot be > x% of your salary.

I think highest you can go will be Salary - deductions (SOCSO, LHDN). So probably somewhere between 75 and 80%?

Hmmm...

Like this mean correct lorh...

Around 70 to 80 % only one can go max....

should be around there....

cos one still have to pay taxes (that is like 20 to 25% already for high income person), misc deductions like socso or company loan payments...

i really cannot imagine one can select 100%, and then the employee every month have to pay 20% of salary to the employer because of PCB deductions "paid" due to PAYE system.

That would be funny though. But realistically it should be around there. I will ask my HR - they love my EPF questions

100k to 400k is 25%
400,001 to 600k is 26%.
600,001 to 2 mil is 28%.
Above 2 mil is 30%.

Depending on which band you hit, your maximum will be limited by the income tax band.
I would say max is about 75%

This post has been edited by BenChiew: Today, 01:08 AM