Your plan updates live as you type — scroll down for the full breakdown.
1About You
2Lifestyle at Retirement
Include daily living, transport, insurance, food and utilities. Exclude a mortgage that ends before retirement. We adjust this for inflation automatically.
3What You Have Now
4How You'll Contribute Each Month
Optional: add a yearly top-up (e.g. bonus, tax-relief lump)
5Risk Comfort
You have 30 years until retirement. Your answers here set your recommended portfolio.
6Your Retirement Plan
You're on track. Your savings are projected to reach — and pass — your RM 0 goal, ending around RM 0, a surplus of about RM 0.
Within reach. You can hit your RM 0 goal if your personal investments earn about 0.0% a year — inside the usual range of a ConservativeBalancedGrowth portfolio.
There's a gap. Even at the top of a ConservativeBalancedGrowth portfolio (about 0.0%), your savings reach around RM 0 — roughly RM 0 short of your RM 0 goal. Try an option below.
⚙️Assumptions
Adjust to match your outlookThese two rates drive every figure below. We work in today's money — your spending grows with inflation while your savings earn their return.
Current settings: CPI 3.0% p.a. · EPF dividend 5.0% p.a. · Real return during retirement 1.0% p.a. (fixed)
Key Figures at Retirement
| Target Net Asset at retirement | RM 0 |
|---|---|
| Projected at retirement | RM 0 |
| Salary at retirement (per month) | RM 0 |
| EPF total RM 0 principal · RM 0 growth | RM 0 |
| Personal investments total RM 0 principal · RM 0 growth | RM 0 |
| Recommended portfolio | ConservativeBalancedGrowth |
Stacked EPF + personal investment growth vs your inflation-adjusted target (dashed line).
| Age | EPF Start | EPF Contrib | EPF Growth | EPF End | Personal Start | Personal Contrib | Personal Growth | Personal End | Total |
|---|
