Debt Cancellation
Valid debts may restrict family or estate cash flow.
Estimated gap: RM 150,000FINANCIAL CALCULATOR
Calculate for
each solution.
Use transparent formulas for an initial view before a consultation.
SIMULATION INPUTS
Income Protection
Solution readiness score21/100
Large gap. The score compares your current value with the target you entered.
Additional protection gapRM 380,000
How is the estimate calculated?
RM 4,000 × 12 × 10 years = RM 480,000RM 480,000 − RM 100,000 = RM 380,000The estimate uses your inputs and assumptions. It is not a quotation or a guarantee of benefits or returns.Do not combine all results into one amount. Each solution has a different purpose and benefit type.
Discuss my resultsPROTECTION SCORING REPORT
Overview of your protection gaps
Scores update immediately when you change an input for any solution.
22/100
Overall score
Large gap
A simple average of eight solution scores based on the targets and current values you entered.
Score for each solution
Priorities requiring attention
Retirement
Funds may be insufficient when salary stops and living costs rise.
Estimated gap: RM 2,462,534Education
A child’s education options may narrow if funds are unavailable when needed.
Estimated gap: RM 136,854Your summary
Goal: build balanced protection for income, treatment, critical illness, debts, the home and future goals.
Main risks based on your inputs: Debt Cancellation, Retirement, Education.
Next step: review the top three priorities first, keep monthly commitments sustainable, then examine benefits, exclusions and certificate terms.
Scores only measure progress against the targets you entered. They are not an official industry score, financial advice, confirmation of adequacy, eligibility, a quotation or a claim guarantee. The medical-card score compares annual limits only and must be read with the deductible, co-takaful, room limits and exclusions.
What this calculator does not do
It does not select a product, determine eligibility, guarantee approval or calculate an official contribution. The Medical Card score only compares annual limits; deductible, co-takaful, room limits, exclusions and actual needs still require review.