Original figures
10 years
Amount still neededRM 380,000- Target
- RM 480,000
FINANCIAL CALCULATOR
Make sense of
your next step.
Choose a goal, enter your numbers and see what a small change could mean. Save the comparison as a PDF to read later.
1 · Choose2 · Enter3 · Understand
01
START HERE
What would you like to plan for?
Choose one topic first. You can explore the others later.
02
YOUR INFORMATION
Start with your numbers
The starting values are examples. Replace them with your own. Unsure about existing savings or cover? Check your records; entering 0 means none is counted.
Income Protection
03UNDERSTAND YOUR RESULT
Amount still needed to reach your targetRM 380,000
Funding target: RM 480,000
Your targetRM 480,000
Already availableRM 100,000
UNDERSTAND YOUR RESULT
In everyday words…
At RM 4,000 a month for 10 years, your input target is RM 480,000. You entered RM 100,000 of existing protection.
The gap against your input target is RM 380,000. This is not a monthly contribution or product quotation.
See the calculation and assumptions
RM4,000 x 12 x 10 = RM480,000RM480,000 - RM100,000 = RM380,000 (minimum RM0)This model excludes inflation, debts, allocated savings, partner income and changing needs. Existing benefits must be reviewed against their purpose and certificate terms.
COMPARE SCENARIOS
What changes if you adjust this?
Change one thing; other inputs stay fixed. This scenario has not changed your main inputs. The original and trial comparison will be included in the PDF.
Range: 1 years – 120 years. Examples to explore, not recommended amounts or rates.
Your trial
10 years
Amount still neededRM 380,000- Target
- RM 480,000
Amount still needed: no change.
A smaller gap does not necessarily mean more protection. It can result from a lower target or shorter period.
“Use this scenario” updates the main inputs, result and PDF. Estimates are not quotations or guarantees of benefits/returns.
View progress against your target
Existing value against your target21/100
Large gap. The score compares your current value with the target you entered.
Do not combine all results into one amount. Each solution has a different purpose and benefit type.
Discuss my resultsSELECTED MODULE REPORT
Take away understanding, beyond the number.
Your Family Blueprint report: a visual summary, trial comparison and calculations to refer to later.
View the overview of all 8 topics
This overview includes example values in topics you have not edited. It is not yet a complete personal assessment.
PROTECTION 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
Debt Cancellation
Valid debts may restrict family or estate cash flow.
Estimated gap: RM 150,000Retirement
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.