Project how much you'll have by retirement and the monthly income it could provide.
Projected savings at 60
RM 1,055,645.85
Worth RM 503,271 in today's money · about RM 1,677.57/month to live on
Projected savings at 60: RM 1,055,645.85
Monthly income uses the 4% safe-withdrawal guideline. EPF uses the latest 6.15% dividend and a 3% yearly pay rise. "Today's money" removes inflation so you can judge it against what things cost now. Returns aren't guaranteed; this is a projection, not advice.
Age 30→60, RM50k + RM1k/mo at 5%
Worth about RM503,000 (≈ RM1,680/month) in today's money at 2.5% inflation.
≈ RM1.06 million
Starting at 40 with RM100k
Fewer compounding years mean contributions matter more.
Smaller nest egg
How the figures above are worked out — the rules, rates and reasoning behind every line.
This grows your savings and monthly contributions at an expected return up to your retirement age. Add your EPF balance and salary and it projects your EPF separately, with the latest dividend rate and your employer's share.
It then shows the total in today's money, after inflation, and applies the 4% safe-withdrawal guideline to show roughly how much monthly income it could sustain at today's prices.
Your current savings and each monthly contribution are compounded monthly at your expected annual return until retirement.
The 4% rule assumes you withdraw 4% of the pot in the first year, giving a rough sustainable monthly income. Returns and inflation are not guaranteed — this is a projection, not financial advice.
A common guide is 2/3 of your last drawn income per month. Use the projected monthly income here against your expected expenses to gauge the gap.
Yes, if you enter your EPF balance and monthly salary. EPF is projected on its own: 11% from you, 12–13% from your employer, the latest dividend rate and a 3% yearly pay rise. Leave EPF out of your other savings so it isn't counted twice.
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