Private Retirement Scheme
calculator.
YOUR PLAN
Your starting point
Start with the two amounts you know.
Enter your EPF balance to see your first projection. Adjust the spending estimate to match your life.
Timeline
YOUR RETIREMENT OUTLOOK
See how long
your money could last.
Enter your EPF balance and monthly spending. Your projection will appear here as you type.
Your figures stay in this browser. No account or setup step.
YOUR RETIREMENT OUTLOOK
First projected spending gap
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ASSETS − LIABILITIES
Your net worth journey.
What you've recorded, what you own now, and what could happen next.
YOUR MONEY OVER TIME
Your balance and dividends, year by year.
Follow the balance, annual dividends and retirement spending on the same timeline. Select a year to see its exact figures.
Today’s money
View yearly figures
The figures follow the selected accounts and money basis. The monthly CSV uses the selected reporting currency and money view.
| Age | Contributions | Dividends & interest | Other growth | Withdrawals | Retirement spending | Unfunded spending | Closing balance |
|---|
Where your retirement funding comes from
These balances come from your savings, trades and future contribution stages. There is no second retirement-balance input. Earmarked accounts remain visible but cannot fund retirement. Access ages and protected floors still apply.
| Source | Now | At retirement · today’s RM | Use / access age |
|---|
Your stock positions
Units and remaining cost are derived from your dated trade records. This optional breakdown appears when you choose to use individual holdings. Prices and dividend estimates are entered by you.
| Stock | Units | Average cost incl fees | Manual quote | Value | Gain / loss |
|---|
Your monthly income, by source
Salary is gross; other sources use the net amounts you entered. Work income is shown separately from declared passive sources. EPF dividends stay in your EPF balance until withdrawn.
Test the assumptions
| Scenario | First shortfall | Retirement assets remaining · today’s money |
|---|
UNDERSTAND THE MODEL
Every assumption visible.
Every calculation challengeable.
This planner connects accumulation with retirement rather than asking you to guess a retirement lump sum. What you own, what you add, what your investments might earn, and when you can access them belong on the same timeline.
Timing, trade history & avoiding double counting
Start with a lump sum for all your stocks and the annual net dividend income you expect. This amount is included once. Individual-stock records are optional; you choose whether the lump sum or that breakdown funds your plan. The annual total is spread over 12 planning months. New investment and withdrawals change future dividend income in proportion to capital. Dividend growth changes the yearly income estimate independently of price growth: the first 12 forecast months use the amount entered, with growth applied on each following plan anniversary. A zero growth rate keeps cash dividends per share unchanged; negative growth models cuts. Price-only growth changes stock value separately.
Your valuation date is a snapshot. Savings balances must already reflect your past deposits, stock purchases, sales and received dividends. Historical trades calculate stock units and cost; they do not move your entered cash balance again. Update the valuation date and cash balances when recording later activity. An imported “Opening” trade is an aggregate snapshot, not an invented acquisition date.
The forecast begins at the next calendar month-end. Growth and dividends occur before new contributions; contributions stop at retirement. Working-age stock budgets buy fractional units at the modelled price, without execution fees or tax. They do not claim real dividend entitlement. Age bands are anniversary-based; each contribution stage replaces its source’s base monthly amount over [start age, end age).
Returns, access rules & retirement limits
Fund returns are user-entered smooth effective annual assumptions after the stated fee adjustment—not official ASNB, Tabung Haji, SSPN or EPF crediting formulas. New fund return assumptions use labelled planning defaults: 5% for EPF/ASNB/PRS and 3% for Tabung Haji/SSPN/deposits. They are editable scenarios, not verified declared yields. PRS and EPF access rules vary by subaccount and circumstances; enter separate accounts and appropriate access ages. No statutory payroll table, tax relief, withdrawal penalty or eligibility calculation is provided. SSPN is initially earmarked for education, not automatically treated as retirement money; you control its inclusion.
Stock price growth excludes cash dividends. Dividend estimates are not promised income. Outside retirement income pays spending first, then the chosen withdrawal order applies. No borrowing is invented after funds run out. Protected balances are nominal; the terminal retirement reserve is measured in valuation-date purchasing power. Earmarked funds do not satisfy that reserve. Working-household expenses, debt, tax, corporate actions, foreign exchange and live market data are not modelled. The original calculator retains its advanced drawdown controls.
Today’s money, future cash and spending changes
Current balances and spending budgets use your valuation date as today. Today’s money converts projected cash back to purchasing power on that date, using the same inflation assumption across balances, dividends, spending and coverage figures. The future-money view shows cash amounts in your retirement currency at each projected age. Switching the view changes presentation, not the forecast or the inputs.
Your base spending budget applies until an age-based spending change replaces it. Each change is entered in today’s spending currency. Keep buying power adjusts the budget annually for inflation. Keep cash fixed converts each new budget to cash at the age it begins, then holds that cash amount until the next change. No additional lifestyle or healthcare escalation is assumed. Investment returns, salary growth and dividend growth are before-inflation cash assumptions; inflation is not added to those returns a second time. Future income entries specify cash at their start age, contribution stages specify cash deposits, and protected balances stay fixed in cash.
Privacy & returning to your plan
Calculations and JSON imports run in your browser. There is no broker connection or cloud sync. The calculator code does not add financial inputs or financial-input events to the Google Tag Manager data layer. Google Tag Manager is enabled for site measurement; collection depends on the separately published container configuration. Named plans and unfinished drafts save automatically in this browser. Reopening restores the saved valuation and quote dates; it never labels old prices as current. Invalid edits do not replace the last valid saved plan. Conflicting edits in another tab pause saving rather than silently overwriting them. Browser storage is not a backup guarantee: download JSON for recovery and moving devices. Hosting may still log page and asset requests.
Educational scenario modelling only—not financial, investment or tax advice.
A GOOD PLAN STARTS WITH ONE PIECE
Explore your asset calculators.
Each connects to this same plan.
Figures use your saved valuation date and assumptions. Estimates are not guaranteed income. Historical distributions link to official records. Stock values and dividend income are entered by you.
FOCUSED CALCULATOR · CONNECTED TO YOUR PLAN
EPF / KWSP
Your saved account, used throughout RetireBetter.
YOUR BALANCE SHEET
Loans & linked assets.
A mortgage is not just a monthly payment. It is an asset and a liability moving at different speeds.
Debt status is not entered. Add each loan or confirm that you have none.
Enter outstanding principal from a statement, not the original amount borrowed or the sum of future instalments. Link a property's current value here only if it is not already in another account. Future loan repayments reduce debt, but do not automatically reduce savings deposits: check they are affordable. Loans are not counted as spendable retirement funds.
No loans recorded. You can still track savings and net worth without a loan.
Your recorded journey.
Each historical month is an explicit snapshot, never a backfilled forecast.
SPENDING & POSSIBILITIES
Your current spending.
Enter your base monthly spending in today’s money, then adjust it for later stages of retirement. Your plan’s inflation rate and these budgets are separate assumptions.
Your spending and funding over time
Today’s moneyCompare annual retirement spending with dividends and interest. The balance shows all assets in your plan, including earmarked savings; account access rules still apply.
A SIMPLE INCOME CALCULATOR
Your dividend income.
Enter your total stock value and the net dividend income you expect each year. These estimates are shared with your retirement plan.
YEAR BY YEAR
Your stock balance & dividends
Today’s money
Dividends follow your yearly estimates and future holdings. Reinvested dividends are already included in the balance; cash dividends move to your cash account. This chart shows the stock balance only.
YOUR PLAN LIBRARY
Pick up where you left off.
New plan · not saved yet
Edits save automatically on this device after two seconds.
Edits and unfinished drafts save automatically after two seconds. Your last valid calculation stays safe while you correct an invalid draft. Your last plan reopens on your next visit. Storage belongs to this browser and site—not an account or cloud. Clearing site data or ending private browsing can erase it. Keep JSON backups. Do not save sensitive plans on shared devices.
Backups, older plans & deletion
Imports are validated and previewed before opening as a separate, unsaved plan. Existing plans are not replaced. Backups are unencrypted financial data. Older drawdown-only records are preserved separately for recovery; they are not silently assigned to an investment account.