PENSION CALCULATOR

Resell Gold Model (999 @ 9% Spread, 916 @ 30% Spread) & Full 3-Account EPF

⚙️ Dynamic Calculation Inputs
1. Salary & EPF Parameters
2. Savings & Cash Pool
3. Gold Resell Valuation Parameters
📈 Interactive Financial & University Timeline (2027–2041)
★ Age 55 Highlight (2036) ★ Age 60 Highlight (2041)
🎓 Uni Attendance Schedule: 2026–2028: None 2029–2031: 👦 1st Son 2032: 👦 1st Son + 👧 2nd Daughter (Overlap) 2033–2035: 👧 2nd Daughter + 👧 3rd Daughter (Overlap) 2036: 👧 3rd Daughter 2037–2041: All Graduated
AGE 55 TOTAL EPF BALANCE

RM 0.00

Acc 1: RM 0.00
AGE 55 CASH BALANCE

RM 0.00

After Uni Fee Outflows
AGE 55 TOTAL NET WORTH

RM 0.00

Full EPF + Cash + Resell Gold
AGE 60 TOTAL NET WORTH

RM 0.00

15-Year Retirement Peak
📌 Assumptions
  • Base salary (2026)RM 5,700.00 / mo
  • Salary increment3.5% p.a.
  • EPF contribution28% (11% + 17%)
  • EPF dividend5.5% p.a.
  • Monthly savings (% of salary)10% of salary
  • Liquid dividend5% p.a.
  • Gold holdings152.13 g (999 + 916)
  • Gold growth5% p.a.
🎓 Education Outlay (2029–2036)
  • 2029–2031 · Son yrs 1–3RM 15,000.00 / yr
  • 2032 · Son yr 4 + Daughter 1RM 30,000.00 / yr
  • 2033–2035 · Peak overlapRM 30,000.00 / yr
  • 2036 · Daughter 2 yr 4RM 15,000.00 / yr
  • Total outlayRM 180,000.00
  • Net cash at age 55RM 59,818.33

All fees absorbed from liquid cash — no gold liquidation or early EPF withdrawal. Feasible

💼 Retirement Engine (Age 55)
  • EPF Account 1RM 764,391.58
  • Total EPFRM 906,751.90
  • ASNB income from Acc 1RM 3,184.96 / mo
  • ASNB income from Total EPFRM 3,778.13 / mo
  • Principal preservation100% intact
🏁 Net Worth Milestones
  • 2026 · Age 45 baselineRM 460,104.30
  • 2031 · Age 50 midpointRM 787,838.82
  • 2036 · Age 55RM 1,098,354.81
  • 2041 · Age 60 horizonRM 1,698,934.73
Dynamic 15-Year Financial Schedule (2027–2041)
Calculated Live
Year Age Basic Salary Bonus Save/Y Monthly Save/Y Extra Cash Annual Pool Edu Outflow Cash Balance Acc 1 (70%) Acc 2 (15%) Acc 3 (15%) TOTAL EPF Gold Resell Value TOTAL NET WORTH