Retirement Calculator Annual Income: RM 24,000 Current EPF Fund: RM 0 Current Age: 24 Desired Retirement Age: 60 Life Expectancy Age: 80 EPF Contribution Rate (%): 23 % EPF Return Rate (% p.a.): 5.0 % p.a. Salary Increment Rate (% p.a.): 4 % p.a. Inflation Rate (% p.a.): 3.0 % p.a. Income Replacement Ratio (%): 70 % Email me the EPF Retirement Fund Projection & Sustainability Calculator in an Excel file by clicking here.If you can think of a few people who should see this, be sure to share this post.