Retirement Planning Calculator

More time for what matters. A plan for what it costs.

What could life after work look like? Explore the income you may need, what your savings could provide and a monthly saving target to discuss with an advisor.

Make it your estimate

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

Already retired? Use your current age.
Enter the years you want this fund to support, or the remaining years if already retired.
Enter your own budget or choose an example below. Include the spending this fund needs to cover.
Try a lifestyle example
These are illustrative monthly budgets from Great Eastern, not recommended minimums. You can enter any budget above.
Only include funds set aside for retirement. Future EPF or employer contributions are not added automatically.
Increases your budget until retirement. Monthly withdrawals then stay fixed in this model.
A nominal annual rate divided by 12 for monthly compounding, used before and after retirement.

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
  • Your monthly budget is increased by annual inflation for the years until retirement: budget × (1 + inflation)^years. After retirement, withdrawals stay at that fixed monthly amount.
  • The retirement target is the present value at retirement of month-end withdrawals over your chosen income period. With 0% return it is monthly income × 12 × income years. No remaining inheritance balance is targeted.
  • The monthly investment rate is annual return ÷ 12. The same constant return is used to grow your existing savings before retirement and to discount withdrawals after retirement. Actual investment returns can vary.
  • The funding gap is the retirement target less the future value of existing savings, with a minimum of zero. A fixed month-end contribution is calculated to close that gap by retirement. The projection includes this calculated monthly contribution.
  • If retirement starts now, the fund requirement still applies. The calculator compares it with today’s savings and shows an immediate gap, without calculating monthly saving before retirement.
Useful references

Use these links to check costs and assumptions for your own situation. Example inputs are not quotations.