Income & Savings Calculator

Make room in your budget for your next goal.

Add up your monthly income and expenses, then see how your savings plan fits your budget and target date.

Make it your estimate

Start with the example figures or enter your own. All amounts are in RM.

1. Monthly income

Use take-home amounts and monthly averages.

Use your income after payroll deductions.
Enter your monthly average.
Enter your monthly average.
Enter your monthly average.

2. Monthly expenses

Include everyday spending and repayments. Enter savings separately below.

Count each payment once; avoid repeating purchases already listed above.

3. Your savings goal

Choose an amount, deadline and monthly contribution.

Include only money already set aside for this goal.
Enter a whole number from 1 to 600 months.
The amount you plan to set aside for this goal each month.
For other goals. Do not also include this amount in expenses.

No sign-up needed. Your figures stay in this browser tab until you choose to include them in an email enquiry.

Illustrative estimate • Editable assumptions

Your planning snapshot

Update the inputs to see your estimate.

How this estimate works
  • Monthly surplus equals total income minus total expenses. Annual surplus is this amount × 12. Surplus is money available before savings commitments, not money already deposited.
  • The remaining goal is the target minus current goal savings, with a minimum of zero. Divide it by your target months to find the required monthly contribution, displayed rounded up to the next sen.
  • Months to goal is the remaining amount divided by your planned monthly contribution, rounded up to a whole month. With no contribution, there is no estimated completion date unless the goal is already reached.
  • Cash after contributions subtracts your goal contribution and other savings commitments from the monthly surplus. A negative amount means these contributions do not fit the entered budget.
  • Projected savings equal current goal savings plus the planned contribution × months. Contributions continue for the full period, even after the target is reached. No interest, inflation, withdrawals, tax or EPF calculation is included.
Useful references

These references explain the general budget and savings-goal methods. All example amounts are editable.