Could support aboutRM 1,850 / monthfor 25 years at 3% return
EPF reference level for basic retirement needs.
RETIREMENT & EPF PLANNER
Will you have enough to retire?
See how your EPF and other retirement savings compare with the lifestyle you want.
EPF + savingsInflation-awareRetirement spendingMalaysia benchmarks
YOUR RETIREMENT OUTLOOKOn trackbased on your current plan
Projected savings RM 1,062,000
Estimated amount needed RM 1,000,000
Estimated surplus RM 62,000
YOUR RETIREMENT & EPF PLAN
Start with the things you actually know.
Adjust the numbers and KiraFirst will translate them into a retirement target automatically.
1
Set your retirement timelineWhen do you want to retire, and how long should the plan last?
years old
1869
years old
4075
years old
61100
2
Tell us the lifestyle you wantUse today's ringgit. We will account for inflation for you.
RM
RM1kRM30k / month
RM 5,000 today could becomeRM 10,469 / monthby age 60 after inflation
3
Add what you're already buildingInclude EPF and other savings you intend to use for retirement.
RM
RM0RM2m
RM
RM0RM20k
Advanced assumptions Optional
% p.a.
0%10%
% p.a.
0%8%
% p.a.
0%8%
These are planning estimates, not guaranteed outcomes. Actual EPF dividends, investment returns, inflation, withdrawals and spending will vary.
MALAYSIA RETIREMENT BENCHMARK
What do EPF's benchmark amounts mean for your retirement?
We convert each EPF benchmark into an estimated monthly retirement income using your selected retirement duration and return during retirement.
RM390kBasicRM650kAdequateRM1.3mEnhancedYOURM1.06m
Your projected retirement savings are above EPF's Adequate benchmark.
Could support aboutRM 3,080 / monthfor 25 years at 3% return
EPF reference level for a reasonable standard of living.
Could support aboutRM 6,165 / monthfor 25 years at 3% return
EPF reference level for greater financial security and a higher quality of life.
How to read this: EPF's published benchmark amounts are general reference points. KiraFirst converts them using your selected retirement duration and return assumption so you can see what they may mean as a monthly amount. Your personalised retirement target remains the main measure because it is based on your own desired spending, inflation, retirement age and planned retirement duration.
CLOSE THE GAP
See what a little more each month could do.
These scenarios use the same retirement age and assumptions you selected above.
Monthly contribution RM 1,500
Versus your target —
Monthly contribution RM 1,750
Versus your target —
Monthly contribution RM 2,000
Versus your target —