Free financial calculators
Quick, private estimates for the money questions Malaysian families ask us most.
- 4 free calculators
- No sign-up
- Nothing you type is saved
Life insurance calculator
How much life cover does my family need?
Answer five quick questions to estimate the life cover your family would need if your income stopped. It takes about two minutes, and nothing you type is saved.
Open calculator →Retirement calculator
How much do I need to retire?
Enter your age, the lifestyle you want and the EPF and savings you expect. You'll get your retirement number, the gap, and the monthly saving that closes it.
Open calculator →Refinance calculator
Is refinancing my home loan worth it?
Enter your current loan and the new rate you've been offered. You'll see the new monthly repayment, how long it takes to earn back the costs, and what you save overall.
Open calculator →Emergency fund calculator
How much should my emergency fund be?
Tell us your essential monthly costs and your situation. You'll get a target, what's left to save, and how many months it takes at your pace.
Open calculator →Which calculator should I use?
Made by a licensed adviser, not a sales funnel
Written by a licensed adviser
Built and reviewed by Louis Ong, a licensed adviser (LIAM registration No. PP09/00661908).
Same methods as our guides
Each calculator follows the method explained in our free guides, so you can check exactly how the number is worked out.
Private by design
Everything runs in your browser. Nothing you type is saved or sent anywhere unless you choose to message us.
Methods last reviewed 30 September 2026. Results are illustrative estimates, not financial advice or a quote. About us →
Questions about the calculators
Are these calculators free?
Yes. All four are free to use as often as you like, with no sign-up.
Do you save what I type?
No. The calculations happen in your browser and nothing you enter is stored. Only if you tap the WhatsApp button do we see the message you choose to send.
How accurate are the results?
They're illustrative estimates based on the figures you enter and common rules of thumb. Your real needs depend on your full situation, which is what a free review is for.
What should I do with my result?
Use it as a starting point. If there's a gap, our two dedicated agents can check the number against your full situation and suggest the right next step, free and with no obligation.
Prefer to talk it through?
Two dedicated agents will work out your numbers with you, free and with no obligation.
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