How much can you safely spend?
Enter your numbers — this sheet will give you a monthly budget you can be confident about. We don't store your data; all calculations happen in your browser.
About you
About your finances
Your current scenario doesn't last to age 95
You have two paths to consider — pick whichever fits your current life stage:
Drop monthly spend to this amount (or lower) — on the assumptions above, assets last to age 95. Suits clients willing to adjust lifestyle for a wider safety margin.
Keep the RM 15,000/month target, but from now until age 60, save this much extra per month (compounded at 5% over 10 years) to close the gap. Suits clients who still have earning capacity.
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 drops by about 25%.
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.
Assets fall short? See how a second income card closes the gap →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.