See how long your savings will last

Retirement projection

Project your retirement nest egg and estimate how many years it will last at your target withdrawal rate.

Formula

nest egg = current savings and contributions grown at the expected return until retirement age

Assumptions

• Return is assumed constant before and after retirement.
• Does not model government pensions, EPF payout rules, or inflation-adjusted withdrawals.
• Withdrawal simulation caps at 100 years for stability.

Frequently asked questions

Does this account for inflation?
No — both the growth projection and the withdrawal amount are in today's ringgit terms, not inflation-adjusted. Real purchasing power in retirement will likely be lower than this number suggests unless you use a conservative (inflation-adjusted) return rate.

What return rate should I assume?
A common planning range is 4-7% per year for a diversified portfolio, but actual returns vary significantly year to year — this projection assumes a constant, unrealistic average.