Built for Malaysians · Free to start

Find out if you're on
track to retire.
In 60 seconds.

Most Malaysians have no idea if their savings will last. Know exactly where you stand.

Free snapshot · Full report for RM15
Get your free snapshotSee a sample report →
0+
Malaysians planning
60s
To your snapshot
RM15
Full report · once

The retirement gap is real

Most Malaysians are
guessing.

68%
of Malaysians retire with less than RM100,000 in EPF — enough for roughly 5 years of expenses.
RM?
Most people don't know their retirement number. They're saving blindly and hoping it's enough.
10+
Years behind. By the time most people realise they're off track, catching up is expensive.

You can't fix what you can't see.
Your number exists — let's find it.

How it works

Three steps to your
independence.

One

Enter 6 numbers about
your finances

Income, EPF, investments, expenses. A guided wizard built around how money actually works in Malaysia. Under 2 minutes.

Two

Get your free
snapshot instantly

Your retirement number, your projected date, your savings rate — calculated immediately. No payment, no account needed.

Three

Unlock your full
plan for RM15

A complete personalised roadmap — EPF strategy, LHDN optimisation, year-by-year projections, debt clearance plan, and AI insights. Less than your next Grab order.

Built around
Malaysian
complexity.

Not a three-question shortcut. EPF accounts, family obligations, LHDN reliefs, debt repayments — a full model of how your money actually works.

01

All three EPF accounts, properly modelled

Employee, employer, voluntary. Account 3 flexibility built in. Your actual EPF picture — not one line.

02

Your full investment portfolio

ASB, unit trusts, ETFs, stocks, PRS, FD. Each asset at its own rate. Fee drag and inflation drag flagged.

03

Real family obligations

Parent allowances, children's expenses, mortgage, debts. The sandwich generation reality — in the model.

04

LHDN strategy, stacked

Every relief you're entitled to — EPF, PRS, child, spouse, medical, lifestyle. The real ringgit value.

05

Four retirement paths, side by side

Lean, Regular, Fat, Barista. Each with its own number and date. Adjust any assumption — live.

06

Assumptions you control

EPF dividend rate, portfolio return, safe withdrawal rate, inflation. Stress-test any future.

Pricing

Your retirement plan costs less
than your next Grab order.

Start free. Full report for RM15 — one-time, no subscription.

Snapshot

Free

Always free — no card needed

  • ✓Retirement age estimate
  • ✓Your retirement number
  • ✓Net worth today
  • ✓Savings rate
  • ✓Funding gap
Try now →
BEST VALUE

Full Report

RM15

RM49

Less than your next Grab order

  • ✓Everything in free
  • ✓Year-by-year projections
  • ✓EPF deep analysis
  • ✓Debt clearance plan
  • ✓LHDN tax strategy
  • ✓4 retirement paths
  • ✓AI insights
  • ✓PDF download
Get full report →

🔒 Secure via Stripe  ·  📄 PDF included  ·  ↩ No subscription · One-time payment

👀 See a sample report first →

Early readers

Real Malaysians.
Real plans.

"The EPF section completely changed what I'm doing this year. I had no idea how much LHDN relief I was leaving on the table."

SL

Siew Ling, 34

Engineer · Penang

"Finally a tool that understands Malaysian finances. The sandwich generation section alone was worth every ringgit."

AM

Azri, 37

Marketing director · KL

"RM15 for this level of detail? I expected something basic. Got a full roadmap instead. Genuinely surprised."

RN

Roshini, 39

Doctor · Subang Jaya

Questions
worth asking.

The things people want to know before they start.

How much do I need to retire in Malaysia?+
It depends on your lifestyle and retirement age, but a common benchmark is RM1 million to RM1.5 million for a comfortable retirement in Malaysia. At a 4% safe withdrawal rate, RM1 million sustains roughly RM3,300/month indefinitely. myendow.co calculates your specific number based on your actual expenses and target retirement age — not a generic figure.
Is my EPF enough to retire?+
How much should I save per month to retire at 55 in Malaysia?+
What happens to my EPF if I retire before 55?+
What is a FIRE number and how do I calculate mine?+

Free to start

You can't fix
what you can't see.

Free snapshot · Full report RM15 · Built for Malaysia · No subscription

Start free — know your number