FI Planner – Retirement Simulator

Portfolio Today

Total

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EPF

–

Non-EPF

–

🏆

Financial Independence

Portfolio covers all expenses

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Retirement Score

– –

Projected ÷ FI Target

FI Target

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Monthly Income

–

via 4% withdrawal rule

Portfolio at 90

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EPF

–

Non-EPF

–

💚

Passive Income

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🏦

At Age 55

EPF unlocks · your income snapshot

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55

Portfolio at 55

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Monthly Income

–

via 4% withdrawal rule

Portfolio at 90

–

EPF

–

Non-EPF

–

💜 Passive Income

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Inflation Adjustment

Real returns after 3% inflation

Portfolio & Income Projection

Total portfolio value vs your FI target and the age you can retire

📍

EPF Savings Checkpoints

Are you on track?

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Asset Summary

Asset	Current	@ Retirement

Income Yield = the % of asset value paid out as income per year (dividends, interest).
This income is counted toward your Passive Income Path retirement age.

Disclaimer: For educational and awareness purposes only. Not financial advice.

💜 Total Monthly Income

RM 0

Reduces your FI target significantly

From Assets

RM 0

Dividends, yields, interest

Standalone Sources

RM 0

Rental, biz, royalties

More income = smaller portfolio needed = earlier retirement on the Passive Path.

How the Passive Income Path Works

Automatically calculated from your assets
No extra input needed. The app projects each asset forward year by year using its return rate. At each future age it checks:

Portfolio Value × Return Rate ÷ 12 ≥ Monthly Expense?

The first year this is true = your Passive Retirement Age.
At that point, you live off the returns without ever selling.

Add standalone sources below to reach it sooner

📌 Rental income – net rent after loan/expenses

📌 Business income – ongoing side business profits

📌 Royalties / Digital – books, courses, content

Disclaimer: For educational and awareness purposes only. Not financial advice.

What-If Scenarios

Pick a scenario — result appears instantly below.

🇲🇾

Malaysian Retirement Reality

EPF benchmarks · Know where you stand

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📌 Source: EPF's official Retirement Income Adequacy (RIA) Framework, launched 12 December 2024 alongside Belanjawanku 2024/2025. Benchmarks take effect January 2026, with Basic Savings transitioning to RM 390k by 2028. kwsp.gov.my ↗

EPF Savings Targets by Age 60

EPF Basic

RM 390k

~RM 1,300/mo · bare essentials

EPF Adequate

RM 650k

~RM 2,167/mo · modest lifestyle

EPF Enhanced

RM 1.3M

~RM 4,333/mo · comfortable living

The Goal

Never Run Out

Live off the growth, not the savings

📊 How to read the figure?
EPF pays around 5–6% per year (2025: 6.10%). If you save RM 650k by retirement, you only withdraw 4% a year — that's ~RM 2,167 every month — while the remaining 1–2% stays reinvested and keeps growing your fund.

You're never touching the principal. The fund keeps compounding. Done right, you will never run out of money.

💡 In 2015, 68% of EPF members aged 54 had less than RM 50k in savings — far below the basic threshold. Starting early makes the biggest difference.

🧘 Stay Disciplined in Retirement

⚠️ The most common mistake

Most people withdraw EPF as a lump sum at 55 or 60 — and spend it within a few years. Don't be that person.

✅ The smarter way

Set up monthly withdrawals via EPF i-Akaun — online, no branch visit needed. Only take what you need for the month. Leave the rest earning 5–6% inside EPF.

The money you don't touch today keeps working for you tomorrow.

Withdraw only what you need. Let the rest grow. Never run out.

Minimise▲

⚡

Why Start Now?

Compound growth · Inflation · EPF limits

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Disclaimer: For educational and awareness purposes only. Not financial advice.

Profile

Current Age

Monthly Retirement Expense (RM)

RM

Target Retirement Age

🇲🇾 Malaysia official retirement age is 60. EPF fully unlocks at 55. Planning to retire earlier? You'll need non-EPF assets to bridge the gap.

Calculation

Withdrawal Rate (%)

%

💡 4% is the global standard. For Malaysian portfolios with more FD/EPF exposure, 3–3.5% is more conservative and recommended.

Inflation Rate (%)

%

🇲🇾 Malaysia's average inflation: 2.5–3.5%. Default is 3%. Use higher (4–5%) for a stress-test scenario.

Projection Until Age

Display

Hide Values

Blur all monetary amounts

Inflation-Adjusted View

Show real purchasing power

Data

FI Planner · Privacy-first (no cloud storage) · All data stays on your device · Built for Malaysians 🇲🇾
Disclaimer: For educational and awareness purposes only. Not financial advice.