🏖️ Retirement Calculator

Project your retirement fund in Malaysia — salary growth, EPF, income tax reliefs, multi-asset investing, and inflation-adjusted withdrawals — from today until age you choose to plan for. Free, no login needed.

🔒 Private by design. Your numbers are sent securely to calculate your results, then immediately discarded — we never save, log, or store your inputs on our servers. No login, no account, no tracking.
👋 These are example numbers so you can see how it works — swap in your own before reading the result.
1Basic Info
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%
2Income
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RM
RM
RM
%
3EPF (KWSP)
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Statutory rates applied automatically: 11%/13% (salary ≤RM5,000) or 11%/12% (above) below age 60; 0%/4% from 60–75. Mandatory contributions stop at age 75 by law — your balance simply stays invested and keeps earning dividends after that.

RM
%
RM
%
4Tax Reliefs (Annual)
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Skipped by default — and it won't change your retirement figure
Personal relief (RM9,000), EPF relief (up to RM4,000) and SOCSO relief (up to RM350) are already applied for you. The rest only refine your monthly take-home pay, which affects the projection solely as a ceiling on how much you can invest — so unless you're planning to invest more than you earn, filling these in leaves your retirement fund unchanged.
🔒 Nothing here is stored on our servers. Some of these fields (medical, supporting equipment) touch on personal circumstances — that's why they're off by default.

2025 LHDN caps shown. Leave anything that doesn't apply at 0.

RM
RM
RM
RM
RM
RM
RM
RM
RM
RM
5Current Assets
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What you already have saved/invested today, and the expected annual return for each. Each class compounds on its own from today onward.

6Monthly Investment
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RM
7Retirement Expenses
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RM
%
8Asset Allocation After Retirement
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How your fund is invested once you stop working — usually more conservative. Percentages should total 100%.

Your Retirement Projection
Opens your browser's print dialog — choose "Save as PDF" as the destination.

This calculator gives an estimate for planning purposes only, based on the assumptions you entered — it is not financial advice. Actual investment returns, inflation, tax rules and salary growth will vary. Figures shown as "FV" (future value, the actual RM amount at that age) and "PV" (present value, today's purchasing power).

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