Built for Malaysians · Free to start

Stop wondering.
Know your number.

Find out exactly when you can stop working for money.

Start planning
0+
Malaysians planning
5 min
To your snapshot
RM49
Full report · once

Financial independence
isn't a dream for someone else.
It's a number — and it's yours.

How it works

Three steps to your
independence.

One

Tell us about
your life

Income, EPF, investments, debts, family. A guided 5-minute wizard built around how money actually works in Malaysia.

Two

Get your free
snapshot

Your FIRE number, your independence date, your savings rate — instantly calculated. No payment, no account needed.

Three

Unlock your
full plan

For RM29 or RM49, a complete personalised roadmap — EPF strategy, LHDN optimisation, year-by-year projections, and AI-powered insights on your plan.

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 FIRE 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

Choose your plan.

All plans start with a free snapshot. Upgrade anytime.

SNAPSHOT

Free

-

  • ✓FIRE age + number
  • ✓Net worth
  • ✓Savings rate
  • ✓Funding gap
Try now →

BASIC

RM29

was RM49

  • ✓Everything free
  • ✓Year-by-year table
  • ✓EPF analysis
  • ✓PDF download
Get Basic →
BEST VALUE

FULL REPORT

RM49

was RM99

  • ✓Everything Basic
  • ✓Debt plan
  • ✓LHDN strategy
  • ✓FIRE variants
  • ✓AI insights
Get Full →

🔒 Secure via Stripe  ·  📄 PDF included  ·  ↩ No subscription

👀 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

"Barista FIRE at 45 is now my actual plan. The simulator made the numbers obvious in a way I never would have figured out alone."

AM

Azri, 37

Marketing director · KL

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

RN

Roshini, 39

Doctor · Subang Jaya

Questions
worth asking.

The things people want to know before they start.

Why is property equity excluded from my FIRE number?+
Property is illiquid — you can't spend equity without selling or refinancing. Your FIRE number is built entirely on liquid, investable assets — that's the honest baseline.
What is Barista FIRE?+
How accurate are the projections?+
Does this replace a financial planner?+
How is payment handled?+

Free to start

Your FIRE date
already exists.

Free snapshot · Basic RM29 · Full report RM49 · Built for Malaysia

Start planning