RCA Million Ringgit Tool

Plan your retirement  ·  Own your future

Timeline → Target → What You Have → What You'll Invest → Projection → Your Plan
5 minutes · 6 steps · Your summary retirement plan
① Your Timeline & Investment Profile
184065
46Retirement Age70
66Life Expectancy100
Retire in
2056
30 yrs away
In Retirement
20
years to fund
1%8%15%
0%5%10%
Real Growth Rate ?
2.71%
Your actual gain after inflation
② Your Retirement Target
Option A uses EPF's standardised benchmarks — fast, credible, anchored to government data.
Option B builds bottoms-up from your actual lifestyle — more personalised, but assumption-heavy.
Try both to sanity-check your number.
Source: EPF Retirement Income Adequacy (RIA) Framework, launched January 2026. Figures based on Belanjawanku 2024/2025 (RM2,690/month × 240 months for Adequate tier).
"Grows to" reflects monthly withdrawals rising with inflation over the 20-year drawdown.
EPF RIA Base Figure (2026)
RM 650,000
Adequate Level · 2026 ringgit
🎯 What You'll Actually Need
—
Adjusted for inflation to your retirement year
Because of inflation, you need — more than the 2026 EPF figure.
The earlier you start, the less you need to save each month.
Source: EPF Retirement Income Adequacy Framework (launched Jan 2026), anchored to Belanjawanku 2024/2025.
Inflated from 2026 base year at 5.15% p.a. over 30 years to your retirement year.
③ What You Already Have — optional, for a more accurate number
💪 Already have EPF, unit trusts, or savings? Add them here for a more accurate projection. Skip for now to see a clean "from scratch" view.
💪 Most Malaysians already have a head start — your EPF, any unit trusts, property, or savings already earmarked for retirement. Add what you have below (even rough estimates help). Each asset grows at its own rate until your retirement year.
# Description Current Value (RM) Rate of Return (%) Future Value (RM)
1 🛡️ EPF, PRS & Existing Retirement Plans 0
2 📊 Unit Trusts 0
3 📈 Equities / Shares 0
4 💵 Cash & Cash Equivalents 0
5 🏦 Bonds 0
6 🏠 Property (Earmarked for Retirement) 0
TOTAL RM 0 RM 0
Each asset compounds at its own rate of return until your retirement year. Total Future Value flows into your retirement projection below.
④ What You Plan to Invest — your new contributions toward retirement
RM
RM / mo
⑤ Your Retirement Projection
Projected Fund
—
at retirement
Target Needed
—
your goal
GAP
—
difference
New Money You'll Add
—
your planned contributions
Growth on New Money
—
compounding on new contributions
How far along are you toward —?
—
⚖️ How to Close the Gap
📅
Top Up Monthly
—
on top of your current RM 1,000/month
💰
Or One-Time Top-Up
—
a single injection today
Talk to your Unit Trust Consultant about which option fits your cash flow best.
⑥ The Cost of Waiting
⏱What it costs to wait 5 years — for the SAME finish line
START TODAY
—
per month, every month
— years of investing
VS
WAIT 5 YEARS
—
per month, every month
— years of investing
Waiting 5 years costs you — extra every month — for — years.
That's — more out of pocket for the same target.
Don't let this be your story. See your summary plan below ↓
Three retirement scenarios, your closing summary, and a 3-step action plan — all in one place.
Your Summary Retirement Plan
Retiring at age 60 in 2056, funding 20 years of retirement.
🎯 Your Target —
📊 Existing Assets at Retirement RM 0
💰 Planned Investments at Retirement —
📈 Total Projected Fund —
⚠️ Shortfall —
📅 Three Retirement Scenarios
📋 Recommended Action
—
✅ Discuss at Your Next Meeting