What do I need to use Malaysia EPF Explainer (KWSP)?

Status; Age; Account balances; Question.

Is Malaysia EPF Explainer (KWSP) free to use?

Yes — run it free in the browser playground (no API key needed for the sponsored trial, or bring any provider key), or install it into Claude Code, Cursor, ChatGPT and more via npx pm-claude-skills. MIT-licensed and open source.

Malaysia EPF Explainer (KWSP)

Q: How do I know the Malaysia EPF Explainer (KWSP) output is good?

The skill verifies itself against its own quality checks: Every rate, split, age and limit is marked to confirm with KWSP; The contribution check uses the person's own wages, month by month where given; Each withdrawal route names the account it comes from and its conditions; The cost of early withdrawal (lost dividends, smaller retirement savings) is stated.

🔵 Stable🕐 updated 2026-10-05 🔷 SkillSpec L3 pm-sea

Use when asked how EPF works, how much KWSP my employer should pay, what are Akaun Persaraan, Sejahtera and Fleksibel, when can I withdraw EPF, can I use EPF for my house, or 公积金怎么算 in Malaysia. Produces how the person's EPF contributions are split across the accounts, a contribution check against payslips, the withdrawal routes with their conditions, voluntary contribution options, and the figures to confirm with KWSP.

▶ Run it free — no key needed 📝 Grade your existing draft View SKILL.md ↗

🗣 Say this to your agent

“Is my employer paying the right EPF amount? My salary is RM6,500.”“What can I use Akaun Sejahtera for?”“I'm moving to Australia for good. Can I take out my EPF?”“马来西亚公积金怎么算？我可以提出来买房吗？”

What to give it

▸Status — Malaysian, permanent resident or foreign worker; employee or self-employed

▸Age — and monthly wages, including any bonus or allowances

▸Account balances — if known, from the KWSP app (i-Akaun)

▸Question — checking contributions, a withdrawal (housing, education, health, age 55 or 60), voluntary contributions, or moving abroad

✅ The bar it holds itself to

Every skill in this library self-verifies — these are this skill's own quality checks, straight from its definition.

✓Every rate, split, age and limit is marked to confirm with KWSP

✓The contribution check uses the person's own wages, month by month where given

✓Each withdrawal route names the account it comes from and its conditions

✓The cost of early withdrawal (lost dividends, smaller retirement savings) is stated

✓No investment product is recommended

✓The output says it is information, not financial advice

⚠️ What it refuses to do

**Treating Akaun Fleksibel as spare cash.** It is still retirement money by default.

**Never checking contributions.** Late or missing payments happen and can be recovered.

**Withdrawing for housing without a plan for retirement.** The balance at 55 is what most people live on.

**Quoting old account names or rates.** The structure changed in 2024; confirm what applies now.

Install

npx pm-claude-skills add --agent claude   # or codex · cursor · gemini · hermes
# or one-line MCP (every skill, any client):
claude mcp add pm-skills -- npx -y -p pm-claude-skills pm-claude-skills-mcp

Related skills

🔌 Embed this skill

Drop this on your blog, docs, or site — it renders a "Run this skill" card:

<div data-pm-skill="malaysia-epf-explainer"></div>
<script src="https://mohitagw15856.github.io/pm-claude-skills/embed.js" async></script>

💬 Discussion

Malaysia EPF Explainer (KWSP) is one of 1297 open-source professional AI agent skills — all SkillSpec L3. Try them all in the browser · ⭐ Star on GitHub · Browse the full catalog