Made for Malaysians - Free Forever

Plan Your Retirement
with Confidence.

Free financial calculators built for Malaysians -- EPF, PCB, income tax, salary and more. No sign-up. No nonsense.

EPF Projection at Age 50
RM 2.88M
approx RM 12,320 monthly interest income
Age 42RM 1.06M
Age 45RM 1.66M
Age 48RM 2.35M
Age 50RM 2.88M
Simulated - 5.5% dividend - RM 10,650/mo contribution
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No login required. Built for every Malaysian -- employed, self-employed, or retired.

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EPF Calculator
Simulate your EPF growth up to retirement age
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PCB / MTD Calculator
Monthly income tax deduction estimator
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Income Tax Calculator
Annual tax assessment & refund estimator
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Salary Calculator
Gross to net -- EPF, SOCSO & tax all-in
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Retirement Planner
Full retirement roadmap with scenario modelling
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Property Affordability
How much house can you afford? Monthly instalment
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Tax Relief Checker
Maximise your 2026 tax reliefs with our checklist
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Retirement Home Finder
Search & compare retirement homes across Malaysia
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About the Creator

Built by someone on the same retirement journey.

Hi, I am WaiHong, Chin -- HR consultant, founder of Scrum HR, and a Malaysian aiming to retire at 50. These tools started as my personal spreadsheets. Now they are yours, free.

If you have ever felt confused by EPF statements, PCB deductions, or tax relief rules -- you are not alone. Let us figure this out together.

"

EPF is not your enemy. Understand it, and it becomes your most powerful retirement engine.

-- Wai Hong, Chin
Founder, malaysiaretirement.com - Scrum HR
Words of Wisdom - Financial Masters
“The stock market is a device for transferring money from the impatient to the patient.”-- Warren Buffett.
“An investment in knowledge pays the best interest.”-- Benjamin Franklin.
“Risk comes from not knowing what you are doing.”-- Warren Buffett.
“In investing, what is comfortable is rarely profitable.”-- Robert Arnott.
“It is not how much money you make, but how much money you keep.”-- Robert Kiyosaki.
“Do not save what is left after spending, but spend what is left after saving.”-- Warren Buffett.
“Compound interest is the eighth wonder of the world.”-- Albert Einstein.
“The best time to plant a tree was 20 years ago. The second best time is now.”-- Chinese Proverb.
“Price is what you pay. Value is what you get.”-- Warren Buffett.
“Never depend on a single income. Make investments to create a second source.”-- Warren Buffett.
“Time in the market beats timing the market.”-- Ken Fisher.
“Know what you own, and know why you own it.”-- Peter Lynch.
“The goal of retirement is to live off your assets, not on them.”-- Frank Eberhart.
“It is not your salary that makes you rich, it is your spending habits.”-- Charles A. Jaffe.
“Spend less than you earn, invest the rest, and be patient.”-- JL Collins.
“Financial freedom is available to those who learn about it and work for it.”-- Robert Kiyosaki.
“A budget is telling your money where to go instead of wondering where it went.”-- Dave Ramsey.
“Every time you borrow money, you are robbing your future self.”-- Nathan W. Morris.
“The habit of saving is itself an education; it fosters every virtue.”-- T.T. Munger.
“The stock market is a device for transferring money from the impatient to the patient.”-- Warren Buffett.
“An investment in knowledge pays the best interest.”-- Benjamin Franklin.
“Risk comes from not knowing what you are doing.”-- Warren Buffett.
“In investing, what is comfortable is rarely profitable.”-- Robert Arnott.
“It is not how much money you make, but how much money you keep.”-- Robert Kiyosaki.
“Do not save what is left after spending, but spend what is left after saving.”-- Warren Buffett.
“Compound interest is the eighth wonder of the world.”-- Albert Einstein.
“The best time to plant a tree was 20 years ago. The second best time is now.”-- Chinese Proverb.
“Price is what you pay. Value is what you get.”-- Warren Buffett.
“Never depend on a single income. Make investments to create a second source.”-- Warren Buffett.
“Time in the market beats timing the market.”-- Ken Fisher.
“Know what you own, and know why you own it.”-- Peter Lynch.
“The goal of retirement is to live off your assets, not on them.”-- Frank Eberhart.
“It is not your salary that makes you rich, it is your spending habits.”-- Charles A. Jaffe.
“Spend less than you earn, invest the rest, and be patient.”-- JL Collins.
“Financial freedom is available to those who learn about it and work for it.”-- Robert Kiyosaki.
“A budget is telling your money where to go instead of wondering where it went.”-- Dave Ramsey.
“Every time you borrow money, you are robbing your future self.”-- Nathan W. Morris.
“The habit of saving is itself an education; it fosters every virtue.”-- T.T. Munger.

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