Behind every number is a question a family is asking
Start from a question that genuinely troubles you. These answers are about whether to worry — not about what to buy.
If your income stopped, would your family be okay?
Your paycheck is your family's first income card. If it suddenly stopped, would they have a second? Size the backup card.
Try it now · no login →How long will my EPF actually last?
Copy one number from your KWSP app — 30 seconds to see your tier under KWSP's benchmarks and how long it might last.
At 95, how much can I spend with confidence?
Enter your assets, target retirement age, monthly expenses — see how much you can safely spend through age 95.
When should the assets come home?
The real cost of holding assets across jurisdictions — not just tax, but the cost of judgement.
After the exit, how many years can it last?
For business owners · What is your business worth — and how many years can the proceeds sustain you?
Am I missing any reliefs?
Before filing, check which reliefs you may have missed. 27 YA 2025 reliefs — EPF, insurance, medical, children, first home.
Save monthly — what will it become?
Save monthly — what does it grow into under different assumptions? With a real-history comparison and a target-to-monthly reverse mode.
If they were gone, could the company hold on?
For business owners · Work out how much the company needs to bridge the sudden absence of the owner or a core lieutenant, so cashflow doesn't break.
How much have fees eaten into your product?
Enter your own product's sales charge and annual fee rate — see how much fees erode over 20-30 years, in months of retirement spending.
What is one more year of work actually worth?
Push retirement back one year at a time — see it converted into "how much more you could spend monthly." A real price tag on delaying retirement.
Ten risk zones — how many have you got?
For business owners · A quick 3-minute check across Company — Owner — Family: see at a glance which of the ten risk zones you're carrying.
How much should you save monthly for your child's education?
Pick a study route and see how much you'll need by enrollment and how much to save monthly today — five routes compared side by side.
No will — how would the law split your estate?
Pick your family structure and see at a glance how the law would split your estate without a will, plus an estate-readiness score.
e-Invoicing, SST, dividend tax, CGT — which ones apply to you?
For business owners · Check your revenue, industry, and holding structure — see in 30 seconds which of four 2025-26 policies (e-Invoicing, SST, 2% dividend tax, CGT) apply to you.
Salary, dividend, EPF — where does the tax load differ?
For business owners · Taking money out of your company — salary, dividend, or an extra EPF top-up — a tax-load education comparison, see the net-to-you figure for each in 30 seconds.
Director's current account — does s140B deemed interest apply?
For business owners · A company advancing money to a director may trigger ITA Section 140B's deemed interest — a tax-load education comparison across three clearance paths, see the rough cost in 30 seconds.
Is my company's tax position truly safe?
The 18 things to do · the 8 never to do — 18 LHDN-compliant levers + 8 red lines (all public) + an interactive calculator. The full framework is for existing clients.
EPF Fund Table · Monthly
182 EPF-approved funds with 1/3/5/10-year annualized returns vs EPF dividend, sortable, updated monthly. Neutral, complete, no recommendations.
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