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Quick estimates for protection, retirement, your children's education and rising medical costs. Every default below is an example assumption, so change any number to match your own situation.

Coverage needs

Estimate how much life and critical illness (CI) cover your family might need, and the gap after what you already have.

Your income

Annual income

Years of income to replace

yrs

Outstanding debts

Home loan

Car loan

Other debts

Personal loans, credit cards

Children's education needs

Total for all children

What you already have

Existing life cover

Personal and employer policies

Savings & investments

Cash, investments, EPF

Critical illness

Years of income for CI

yrs

Time off work and treatment

Existing CI cover

All figures above are example assumptions, not facts or recommendations. Replace them with your own numbers.

Your estimate

RM 0

estimated life coverage gap

Life cover
Income replacement–
Debts–
Children's education–
Total life need–
Less existing cover & savings–
Life coverage gap–
Critical illness
CI need–
Less existing CI cover–
CI coverage gap–

How this is calculated

This uses a common needs-based rule of thumb:

Life need = annual income × years to replace + outstanding debts + children's education.
Life gap = life need − existing life cover − savings you could use.
CI need = annual income × years of income for CI (many planners suggest a few years' income to cover treatment and time off work).
CI gap = CI need − existing CI cover.

It doesn't adjust for inflation, investment returns or your spouse's income.

Discuss my results with Eric on WhatsApp

Estimate for illustration only, not financial advice.

Retirement savings

See how much you might need when you retire, what your savings could grow to, and how much more to set aside each month.

Timeline

Current age

yrs

Retirement age

yrs

Years in retirement

yrs

How long your savings need to last

Lifestyle

Monthly expenses in retirement

In today's money

Expected inflation

% / yr

Your savings

Current savings incl. EPF

Monthly contribution

Including EPF contributions

Expected return

% / yr

Inflation and return rates are example assumptions, not predictions. Real returns vary and are not guaranteed.

Your estimate

RM 0

estimated shortfall at retirement

Projected savings cover0%

Years until retirement–
Monthly expenses at retirement–
Amount needed at retirement–
Projected savings at retirement–
Shortfall–
Extra monthly saving needed–

How this is calculated

Your monthly expenses are grown by inflation until retirement.
Amount needed is the lump sum that can pay those expenses each year for your years in retirement, rising with inflation, while the balance keeps earning the expected return.
Projected savings = current savings and monthly contributions grown at the expected return until retirement.
Extra monthly saving is what you'd need to add each month, at the same return, to close the shortfall.

Discuss my results with Eric on WhatsApp

Estimate for illustration only, not financial advice.

Children's education fund

Estimate what university could cost by the time your child starts, and how much to save each month to get there.

Your child

Child's current age

yrs

University start age

yrs

Course cost

Pick an example, then edit the amount

Total course cost in today's money

Example amounts only. Include fees and living costs for the whole course.

Education inflation

% / yr

Your savings

Current education savings

Expected return

% / yr

Course costs, inflation and returns are example assumptions, not quotes or predictions. Check actual fees with the institution.

Your estimate

RM 0

monthly saving needed

Funded by current savings0%

Years until university–
Future course cost–
Current savings will grow to–
Gap to fund–
Monthly saving needed–

How this is calculated

Future cost = today's course cost × (1 + education inflation) for each year until university.
Your current savings are grown at the expected return over the same period.
Monthly saving is the amount that, saved every month at the expected return, covers the remaining gap by the start of university.

For simplicity, the whole course cost is treated as needed at the start of university.

Discuss my results with Eric on WhatsApp

Estimate for illustration only, not financial advice.

Year by year

Estimated yearly cost at your chosen inflation rate

Yearly costFinal year

Year	Yearly cost	Running total

For illustration only

These calculators give rough estimates based on the assumptions you enter. They are not financial advice and don't consider your full circumstances, and results are not guaranteed. Please speak to a licensed adviser before making any financial decision.

Want a second pair of eyes on your numbers?

I'm happy to walk through your results over a coffee, with no pressure. We can look at insurance and takaful options that fit your plans.

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Free financial calculators

Coverage needs

Retirement savings

Children's education fund

Medical cost inflation

Year by year

For illustration only

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