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Retirement Calculator

Will you have enough?

Most of us have never run the numbers. Answer a few easy questions and Mama shows you your retirement figure, in plain ringgit, with a simple way to get there.

  • No guesswork

    Clear numbers on what you need, and a simple plan to get there.

  • Built for Malaysians

    Factors in EPF, inflation, and real local living costs.

  • Two minutes

    A handful of questions, your personalised number, no sign-up.

MoneyMama
Whatever the number says, I'll help you make a plan you can actually follow.
About you

Tell us about yourself

What’s your gender?

The average life expectancy in Malaysia is about 73 for men and 77.8 for women.

Your finances

Understanding your money

RM

Your total monthly income before deductions like tax and EPF.

RM

Everything saved in your EPF (KWSP) account so far. Not sure? Check it here. Leave as RM 0 if you’re just starting out.

RM

Cash, fixed deposits, stocks, unit trusts, crypto — everything except your EPF.

Average savings & investments return rate

How much your money grows each year on average. EPF only? ~4-5%. Unit trusts? ~4-6%. Stocks or crypto? ~8-12%. Not sure? 6% is a safe estimate.

RM

In today’s value — housing, food, healthcare, and the lifestyle you’d like.