What is KWSP-integrated payroll software?

KWSP-integrated payroll software is payroll software that calculates EPF using KWSP’s Third Schedule, applies citizen / PR / foreign-worker rules, and gives you contribution figures in a structured export. HavaHR does the calculation side; you (or finance) still operate KWSP i-Akaun for the official upload and payment.

What are the current EPF contribution rates in Malaysia?

For Malaysian citizens and PRs under 60 with monthly wages of RM5,000 and below: employee contributes 11%, employer contributes 13%. For wages above RM5,000: employee 11% (or 9% if elected), employer 12%. Employees aged 60 and above contribute 0% (citizens) or reduced rates (PRs). Foreign workers have their own contribution schedule. HavaHR applies all of these automatically.

How does HavaHR handle KWSP Third Schedule calculations?

HavaHR runs every payroll through KWSP’s Third Schedule rules: it determines the wage band, applies the correct employer and employee percentages, accounts for citizenship and age, and includes voluntary contributions where applicable. The output matches what KWSP expects, and contribution amounts are visible per employee on the payslip.

Can employees elect 9% EPF contribution above RM5,000?

Yes. Employees earning above RM5,000 monthly may elect to reduce their EPF contribution from 11% to 9% (with employer contribution staying at 12%). HavaHR captures this election per employee and applies it from the effective date forward on payslips and payroll exports.

Does KWSP-integrated payroll handle foreign workers?

Yes. Foreign workers in Malaysia have a separate EPF contribution schedule (typically a fixed amount per month for both employer and employee, depending on the worker’s registration). HavaHR classifies foreign worker employees and applies the correct foreign worker EPF rates without manual intervention.

When is EPF due to KWSP each month?

EPF contributions must be paid to KWSP by the 15th of the month following the salary payment month. For example, EPF deducted from January salaries is due by 15 February. Add that recurring date to your own payroll calendar alongside the totals you export from HavaHR.

What is the penalty for late EPF submission?

KWSP imposes a dividend rate plus an additional 6% per annum on late EPF contributions, calculated daily until paid. Repeated late payment can also trigger an enforcement notice. Consistent Third Schedule calculations and CSV exports reduce arithmetic mistakes before you pay—but you still own the calendar and the i-Akaun submission.

Does HavaHR support voluntary employer EPF contributions?

Yes. Some Malaysian SMEs offer enhanced employer EPF contributions above the statutory minimum as a benefit. HavaHR lets you configure a voluntary additional employer contribution per employee or company-wide, and includes the additional amount on payslips and in payroll CSV exports.

Malaysian business software

KWSP-Integrated Payroll for Malaysian SMEs

Automated EPF with KWSP Third Schedule, citizen / PR / foreign worker handling, payslips, and CSV export before you complete i-Akaun

Built for Malaysian SMEs reconciling EPF in KWSP i-Akaun

Export clean totals each month before you remit EPF

Free plan available • No credit card required • Upgrade anytime

Key facts

High-signal points for buyers comparing options.

Standard Employee Rate

11% (≤60, citizen/PR)

Standard Employer Rate

13% (wages ≤ RM5,000)

Employer Rate (>RM5,000)

12%

Optional Employee Rate (>RM5,000)

Monthly EPF Deadline

15th of following month

Late Payment Penalty

Dividend rate + 6% p.a.

Auto-calculated Third Schedule EPF each payroll run

Citizen, PR, and foreign worker rates without manual tables

CSV totals finance can match before i-Akaun payment

9% elections captured once and carried forward

Platform

What HavaHR brings together

Payroll, people operations, statutory calculations and HR documents in one workflow built for Malaysian SMEs.

KWSP Third Schedule auto-calculation

Citizen, PR, and foreign worker rate handling

Over-60 reduced rate logic

Optional 9% employee election above RM5,000

Voluntary employer EPF contributions

Payroll CSV export with EPF employee and employer columns

EPF amounts on payslip PDFs

Locked payroll runs for a clear monthly record

Comparison

Compare the important differences quickly

Capability	Excel / Manual	Generic Payroll	HavaHR (KWSP-Integrated)
EPF calculation method	Manual Third Schedule lookup	Often a flat % approximation	Full Third Schedule logic
Citizen / PR / Foreign rates	Easy to confuse	Sometimes missing	Correct rate per employee
Over-60 reduced rate	Often missed	Manual override required	Auto-applied by date of birth
9% employee election	Manual tracking	Limited support	Captured per employee, effective-dated
Contribution export	Manual reformatting	Generic CSV export	Payroll CSV with EPF columns for reconciliation
i-Akaun submission	You submit	You submit	You submit (exports assist)

Getting started

How to get started with KWSP-integrated payroll

Register your KWSP employer account
If you have not yet, register for KWSP i-Akaun (Employer) at kwsp.gov.my. You will receive an employer number used in every monthly EPF submission.
Add KWSP details to HavaHR
Enter your KWSP employer number and employee EPF settings in HavaHR. Each payroll run stores Third Schedule amounts on payslips and in a CSV export you can reconcile before keying or uploading through KWSP i-Akaun.
Classify each employee for EPF
Mark each employee as Malaysian citizen, permanent resident, or foreign worker, and capture date of birth (for the over-60 reduced rate). HavaHR uses these to apply the correct KWSP Third Schedule rates automatically.
Run payroll — EPF calculates automatically
Salaries, bonuses and statutory wages run through KWSP Third Schedule logic on every payroll. Voluntary employee contributions (above the standard rate) are handled, including the optional 9% election above RM5,000 wages.
Submit EPF to KWSP by the 15th
Download the payroll CSV for the run, then complete payment and submission in KWSP i-Akaun by the usual 15th-of-following-month deadline. Track that date on your own compliance calendar—HavaHR does not send statutory deadline notifications today.

Learn more about KWSP payroll integration

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Related queries

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Authority sources

KWSP (Kumpulan Wang Simpanan Pekerja)

Official Employee Provident Fund of Malaysia — contribution rates, schedules, and employer guidance.

KWSP i-Akaun (Employer)

KWSP employer portal for monthly EPF contribution submissions.

KWSP Third Schedule

Statutory contribution rate tables that KWSP-integrated payroll software must follow.

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