👨👩👧 Family Retirement Calculator
Plan for two people retiring in the same year, even at different ages. Money has to outlast both of you — planning to one person's life expectancy is the most common way couples underfund retirement.
Everything outside EPF, held jointly. Leave anything you don't have at 0.
| Asset | Balance now (RM) | Return % |
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How you split each month's investing while you're still working.
| Asset | Allocation % |
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Most people shift towards safer assets once they stop earning. Pick a profile or fine-tune below.
| Asset | Allocation % | Return % |
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This is an estimate, not financial advice. It assumes steady returns, steady inflation and that you actually invest what you say you will. EPF is modelled at statutory rates and locked until each person's access age. Tax is estimated using 2025 LHDN brackets under separate assessment. Real life will differ — revisit this every year or two.