Financial AI Suite – Retirement Gap Calculator

🏖️

Retirement Gap Calculator

Find out if you're on track for a comfortable retirement

👤 Personal Details

Current Age (years old)

Desired Retirement Age (years old)

Life Expectancy (Malaysians average 76.8 years at birth — World Bank indicator SP.DYN.LE00.IN, 2024. That is an average, not a forecast for you: the report always stress-tests the corpus to 85 and 90 as well.)

Do you have a 2nd income source? (side business, freelance, rental, part-time — enter what it pays in retirement just below, because the amount is what is actually netted off)

✅
Yes

❌
No

Expected Income From It in Retirement (RM per month, stated in today's value — this calculator assumes it keeps pace with inflation, subtracts it from your retirement income goal, and does not test whether the income actually continues. Leave 0 if none.)

💰 Retirement Income Goal

Desired Monthly Income in Retirement (how much per month in today's RM value)

Current Monthly Income (your take-home pay — used with the spouse figure to judge whether the required monthly saving is realistic; it does not change the corpus)

Spouse Income (optional — added to your pay for that check)

🏦 Current Retirement Savings

EPF Balance (current total in KWSP)

PRS Balance (current total balance)

Other Retirement Savings (ASB, unit trust, cash for retirement)

Monthly Contribution (total EPF + PRS + voluntary)

📊 Assumptions

These three rates drive the whole projection — they are planning assumptions you control, not forecasts. Nothing in the report is a guaranteed outcome.

Inflation Rate (% p.a. — assumed rise in the cost of living)

Pre-Retirement Return (% p.a. — assumed return while you are still saving)

Post-Retirement Return (% p.a. — assumed return once the money is being drawn down, usually lower)

🤖

Analyzing Your Retirement Data

Our AI is crunching the numbers and generating personalized insights

Initializing... 0%

1 Validating your inputs

2 Calculating financial metrics

3 AI analyzing your data

4 Generating personalized report

5 Preparing final results