EPF i-Saraan incentive (gig workers)

Step-by-step screenshots

KWSP i-Saraan page: retirement savings for the self-employed — 1. Eligibility: Malaysian EPF member under 60 who is self-employed, has no fixed income or is a gig worker.

Who is eligible for i-Saraan — 1. Eligibility: Malaysian EPF member under 60 who is self-employed, has no fixed income or is a gig worker.

Forms and registration at a self-service terminal — 2. Register for i-Saraan in the KWSP i-Akaun app, at a Self-Service Terminal with your MyKad, or with Form KWSP 16G (M) at an EPF office.

Contribution limit and how to register for i-Saraan — 3. Minimum RM1. Contributing RM2,500 a year earns the maximum RM500 incentive (20%); lifetime cap RM5,000.

i-Saraan benefits including government incentive — 3. Minimum RM1. Contributing RM2,500 a year earns the maximum RM500 incentive (20%); lifetime cap RM5,000.

i-Saraan contribution payment methods — 3. Minimum RM1. Contributing RM2,500 a year earns the maximum RM500 incentive (20%); lifetime cap RM5,000.

KWSP i-Saraan

Self-employed and gig workers get a 20% government incentive (max RM500 a year) on voluntary EPF contributions.

Eligibility: Malaysian EPF member under 60 who is self-employed, has no fixed income or is a gig worker.
Register for i-Saraan in the KWSP i-Akaun app, at a Self-Service Terminal with your MyKad, or with Form KWSP 16G (M) at an EPF office.
Minimum RM1. Contributing RM2,500 a year earns the maximum RM500 incentive (20%); lifetime cap RM5,000.
Contributions are non-refundable. You can set up monthly Auto Simpan in i-Akaun.

Official site Open in the app

Checked 15 Oct 2026

Questions

What is EPF i-Saraan incentive (gig workers)?

KWSP i-Saraan: Self-employed and gig workers get a 20% government incentive (max RM500 a year) on voluntary EPF contributions.

How do I get started with KWSP i-Saraan?

1. Eligibility: Malaysian EPF member under 60 who is self-employed, has no fixed income or is a gig worker. 2. Register for i-Saraan in the KWSP i-Akaun app, at a Self-Service Terminal with your MyKad, or with Form KWSP 16G (M) at an EPF office. 3. Minimum RM1. Contributing RM2,500 a year earns the maximum RM500 incentive (20%); lifetime cap RM5,000. 4. Contributions are non-refundable. You can set up monthly Auto Simpan in i-Akaun.

When was this information checked?

Checked on 15 Oct 2026 against the provider's official page.