Picture the retirement you want.
Tell the tool when you'd like to stop working, how many years retirement might last and the monthly budget you have in mind, in today's money. Then change the assumptions and watch the picture move.
Your figures
Illustrative defaults. The starting figures are an example to change, not a recommended amount.
Your age today.
Later than your current age, up to 75.
How many years the fund should last.
What you would like to spend each month, in today’s money.
Applied until retirement and every year during it.
Only amounts you have deliberately earmarked for retirement. Do not count them twice.
What you plan to add at the end of each month until retirement.
A constant return before retirement, for illustration only.
Your figures stay on this page. Nothing is saved or sent.
Your scenario
Assumes inflation of 0% a year and a 0% annual return for the 20 years to retirement, then 0% return during 20 years of retirement.
- Indicative gap
- RM360,000
- Additional monthly contribution to close the modelled gap
- RM1,500
- Desired first-year retirement monthly budget
- RM3,000
- Simplified retirement fund target
- RM720,000
- Projected savings under this scenario
- RM360,000
Result paused. Check the highlighted field.
A simple starting point. In your review we’ll look at EPF, other savings and the plan that fits you.
How this is calculated
First-year monthly budget = today's monthly spending × (1 + inflation) ^ years to retirement.
Fund target = the total of each year’s spending in retirement, rising by inflation every year, with no investment return after you retire. At 0% inflation it is 12 × monthly spending × years in retirement.
Projected savings = current savings × (1 + return) ^ years, plus your planned end-of-month contributions growing at the same return.
Indicative gap = fund target − projected savings, never below zero. The additional monthly contribution is the extra end-of-month amount, above your planned contribution, that would close that gap under the same return.
Change any assumption to see how the estimate moves. This is a scenario, not what you must invest.
A simple estimate to start a conversation. Bring your numbers to a free review and we’ll build the full picture with you.
Would you like help understanding what this estimate leaves out?
Your figures are not sent with this link. Share only what you choose in the enquiry form.
How the example works out.
The tool opens with someone aged 40 who wants to retire at 60 and spend RM3,000 a month for 20 years, with inflation and return set to 0%. That's a target of RM720,000.
They already have RM120,000 put aside and save RM1,000 a month, which reaches RM360,000 by 60. The gap is RM360,000, so they'd need about RM1,500 more each month to close it under these assumptions.
What we'll add in your review
This simple scenario keeps every step visible. It assumes your spending keeps rising with inflation after you retire, and that your savings earn nothing once you stop working. Only include money you've set aside for retirement, and count each ringgit once. In a free 30-minute review, we'll add:
- Investment return during retirement.
- EPF withdrawals or pensions.
- Healthcare costs later in life.
- Tax and fees.
- How many years of retirement to plan for.
Questions about this estimate
What return should I put in?
Start at 0% for the years before you retire, then try a few figures and watch the projected fund change. In your review, we'll talk through what's realistic for your timeline.
What if the gap looks big?
That's exactly what the tool is for. Try retiring a few years later, saving a little more each month or adjusting your budget, and watch the gap shrink. Then bring it to a review and we'll plan the next step together.
Should I include my EPF savings?
Include the part you've decided to use for this goal, and count it once. EPF has its own withdrawal rules, and we'll go through how they fit your plan in your review.
These are simple estimates to start a conversation, not a quote. Unit trust prices can go up and down. Please read the prospectus and product highlights sheet before you invest.
More planning tools.
Let's talk about your retirement.
Want help turning this estimate into a plan? Book a free 30-minute review or WhatsApp +60 11-1111 1692. We'll go through your timeline, what you already have and the next step that fits. You decide what to share.