EPF Policy Lever Scorecard

Interactive simulation of EPF retirement savings trajectories under Malaysia's Retirement Income Adequacy (RIA) Framework (2026).

Built for senior leadership and policymakers to visualise how different policy levers — retirement age, contribution rates, wage growth, crisis withdrawals — impact retirement outcomes against the three-tier RIA thresholds.

Quick Start (Local)

# Install dependencies
npm install

# Run development server
npm run dev

Open http://localhost:3000.

Deploy to Vercel

Option 1: Vercel CLI

# Install Vercel CLI
npm i -g vercel

# Deploy
vercel

Option 2: Git Integration

1. Push this folder to a GitHub/GitLab repo
2. Go to vercel.com/new
3. Import the repository
4. Vercel auto-detects Next.js — click Deploy

That's it. No environment variables needed.

Key Features

• 5 preset scenarios: Baseline, Reform, Crisis Shock, B40 Worker, Gig Worker
• 10 adjustable policy levers with real-time chart updates
• Comparison mode: Overlay any preset as a dashed line
• Auto-generated insights explaining the tier outcome and gap analysis
• Crisis withdrawal shock simulator showing compounded loss from mid-career withdrawals
• Drawdown phase modelled against Belanjawanku 2024/2025 (RM2,690/mo, inflation-adjusted)

Methodology

• Deterministic accumulation-drawdown model
• Contributions: (employee% + employer%) × annual salary
• Returns compound annually at the EPF dividend rate
• Post-retirement drawdown: RM2,690/mo (Belanjawanku single elderly, Klang Valley), inflation-adjusted
• RIA tier thresholds: Basic RM390K, Adequate RM650K, Enhanced RM1.3M

Data Sources

• EPF RIA Framework (effective January 2026)
• Belanjawanku 2024/2025 expenditure guide
• EPF contribution rates per Employees Provident Fund Act 1991
• Dividend rates from EPF Annual Reports

Tech Stack

• Next.js 14 (App Router)
• Tailwind CSS
• Pure SVG charts (no chart library dependency)
• Deployed on Vercel

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This is an illustrative simulation tool, not financial advice.