Wealth Benchmark
Where do you stand among Malaysians?
Pick age + state, enter income to see your benchmark.
About the Malaysia Wealth Benchmark
This free, browser-based tool ranks your monthly household income, individual salary, EPF (KWSP) savings, and net worth against Malaysian percentiles using official statistics. It classifies your household income into B40, M40, or T20 tiers per the Department of Statistics Malaysia (DOSM) Household Income Survey 2024 thresholds, and benchmarks your EPF balance against the EPF Retirement Income Adequacy (RIA) Framework Basic Savings target for your age.
Data sources
- DOSM Household Income Survey 2024, median household income by state, B40/M40/T20 thresholds (published October 2025).
- DOSM Formal Sector Wages Q3 2025, median individual salary by state.
- DOSM Salaries & Wages Survey 2024, median wages by age group.
- EPF Retirement Income Adequacy (RIA) Framework, Basic Savings targets by age, effective January 2026.
- EPF Annual Report 2023, actual average and median EPF savings by age group.
Methodology
Income, salary, and EPF distributions are modelled as log-normal, calibrated against DOSM tier thresholds. Sigma (log-scale dispersion) is approximately 0.72 for household income, 0.55 for individual salary, and 1.15 for EPF balances. The user’s percentile is computed via the standard normal cumulative distribution function applied to the z-score (ln(value) − ln(median)) / sigma. B40/M40/T20 classification uses the official DOSM income cutoffs directly. The composite Overall Score is a weighted average of national and age-cohort signals, with household income weighted highest. EPF projection assumes a 24% combined contribution rate (employee 11% + employer 13% for wages up to RM5,000) and a 5% annual dividend, compounded to age 60.
Frequently asked questions
What is the median household income in Malaysia in 2024?
According to the Department of Statistics Malaysia (DOSM) Household Income Survey 2024 (released October 2025), the national median monthly household income is RM7,017. By median, Kuala Lumpur leads at RM10,805, Putrajaya at RM10,769, and Selangor at RM10,726. Kelantan has the lowest at RM4,083. (Mean household income is higher, e.g. KL RM13,985, because a minority of high earners pulls the average up.)
What are the B40, M40, and T20 income thresholds in Malaysia?
Based on DOSM HIS 2024, B40 (bottom 40%) is household income up to RM5,249/month. M40 (middle 40%) ranges from RM5,250 to RM11,819/month. T20 (top 20%) is RM11,820/month and above.
What is the EPF RIA Framework Basic Savings target?
The EPF Retirement Income Adequacy (RIA) Framework, effective January 2026, sets three retirement adequacy tiers by age 60: Basic Savings at RM390,000 (raised from the previous RM240,000 baseline), Adequate at RM650,000, and Enhanced at RM1.3 million. Age-banded Basic targets scale down accordingly, for example, the Basic target is approximately RM50,000 at age 30, RM127,000 at age 40, and RM248,000 at age 50.
What is the median individual salary in Malaysia in 2025?
DOSM Formal Sector Wages for Q3 2025 reports a national median monthly salary of RM2,864. Kuala Lumpur leads at RM4,064, Selangor at RM3,127. Kelantan and Perlis have the lowest at RM1,800.
How is the wealth percentile calculated?
The tool models income, salary, and EPF savings as log-normal distributions calibrated against DOSM tier thresholds (sigma ≈ 0.72 for household income, 0.55 for salary, 1.15 for EPF). Your percentile is computed via the standard normal CDF of the z-score (ln(value) − ln(median)) / sigma. B40/M40/T20 classification uses the official DOSM cutoffs directly. The composite score is a weighted average of national and age-cohort signals, with household income weighted highest.
Is the data private?
Yes, all calculations run entirely in your browser. No income, salary, EPF, or asset data is transmitted to any server.
Which Malaysian states have the highest median household income?
Per DOSM HIS 2024, by median monthly household income: Kuala Lumpur (RM10,805), Putrajaya (RM10,769), Selangor (RM10,726), Johor (RM7,712), Penang (RM7,386), Labuan (RM7,383), Melaka (RM6,891), Terengganu (RM6,627), Negeri Sembilan (RM5,591), Sarawak (RM5,504), Pahang (RM4,975), Perlis (RM4,950), Kedah (RM4,895), Sabah (RM4,890), Perak (RM4,687), Kelantan (RM4,083).
Median household income by Malaysian state (DOSM 2024)
| State | Median monthly household income (RM) |
|---|---|
| Kuala Lumpur | 10,805 |
| Putrajaya | 10,769 |
| Selangor | 10,726 |
| Johor | 7,712 |
| Penang | 7,386 |
| Labuan | 7,383 |
| Melaka | 6,891 |
| Terengganu | 6,627 |
| Negeri Sembilan | 5,591 |
| Sarawak | 5,504 |
| Pahang | 4,975 |
| Perlis | 4,950 |
| Kedah | 4,895 |
| Sabah | 4,890 |
| Perak | 4,687 |
| Kelantan | 4,083 |
National median monthly household income: RM7,017. Source: DOSM HIS 2024.