How much can you safely spend?
Enter your numbers — this sheet will give you a monthly budget you can be confident about. Signed out, the numbers are computed in your browser and nothing is saved. Signed in, your inputs and results are encrypted and saved to your financial picture — pre-filled next time, and combined with your other tools into one view.
About you
About your finances
Ref: EPF Belanjawanku 2024/25 · single elderly RM2,690/mo · couple RM3,390/mo (Klang Valley)
Projected assets at age 60
retirement-year ringgit · ≈ RM 2,922,126 in today's money
On the assumptions above, you can spend
today's purchasing power · ≈ RM 12,400/mo in retirement-year ringgit
per month, with assets lasting to age 95.
Already includes your 3% inflation assumption — the EPF Quick Check does not include inflation, so the two numbers aren't directly comparable.
Inflation is the silent enemy
At your assumed 3% inflation, purchasing power erodes every year. 30 years from now, RM 1 buys about RM 0.41 worth of today's goods.
Medical costs accelerate
After 65, medical costs typically grow at 2-3× inflation. Your RM 500,000 reserve is a start — we usually recommend at least RM 500,000.
Return assumptions need to be conservative
You assumed 5% annual return. If actual is just 3%, your safe monthly budget would drop by about 42%, based on your current inputs.
Numbers tell you whether it works. A conversation tells you how to do it. Send us your scenario — we'll use your full context to design a complete plan.
This simulator is a general estimation tool and does not constitute investment or financial planning advice. Real planning requires your full context, tax residency, family situation, risk tolerance, and more.