Financial Tools
🎯 Malaysian Retirement Calculator
Calculate how much you need to retire comfortably in Malaysia. Compare different retirement strategies: perpetual income, dying with zero, or custom target.
Retirement Details
Real-time calculation
1880
3190
61100
2.5%
0%10%
6%
0%15%
Retirement Summary
Total Amount Required at Retirement
Enter details
Monthly Amount Today
RMÂ 5,000.00
Monthly Amount at Retirement
—
Years to Retirement30 years
Years in Retirement16 years
Calculation MethodPerpetual
Enter your details to see your retirement projection
Retirement Calculator FAQ
The Perpetual Machine method calculates the amount needed so that your investment returns can cover your inflation-adjusted expenses indefinitely. Your principal remains relatively intact, and you can live off the returns forever. This requires a larger initial capital but provides maximum security and the ability to leave an inheritance.
The Dying with Zero method calculates the minimum amount needed to fund your retirement, with the assumption that your balance will reach RM 0 at your life expectancy. This requires less initial capital but carries more risk if you live longer than expected. Based on the book 'Die with Zero' by Bill Perkins.
Inflation erodes your purchasing power over time. For example, with 2.5% inflation, RM 5,000 today will need to be RM 10,000 in 30 years to maintain the same purchasing power. The calculator accounts for this by adjusting your monthly needs throughout retirement.
The return rate depends on your investment strategy. Conservative: 4-5% (bonds, fixed deposits), Moderate: 6-7% (balanced funds, EPF average), Aggressive: 8-10% (stocks, equity funds). Remember that higher returns usually come with higher risk. EPF's historical average is around 6%.
When you select 'Yes' for Retire Today, the calculator sets your retirement age equal to your current age, showing you how much you would need if you wanted to retire immediately. This is useful for understanding your current retirement readiness without needing to account for years of additional savings. The retirement age field is automatically hidden when this option is selected.
The Portfolio Balance chart extends 10 years beyond your chosen life expectancy as a safety margin. This helps you visualize what happens if you live longer than expected. For 'Dying with Zero' and 'Custom Target' methods, you'll see the balance go negative, showing you've run out of money - highlighting the risk of outliving your savings. For 'Perpetual Machine', the balance should remain relatively stable, demonstrating its built-in longevity protection.