See what your savings could add up to in retirement.

Try a quick what-if estimate here in about a minute, with no sign-up. The full planner is open to invited testers for now.

What your savings could pay each monthEPF, super and CPF worked out from your pay500 what-if market paths
No sign-up for this estimateThis estimate stays in this browserFor Malaysia, Australia & Singapore

About a minute

A first estimate from a few numbers.

Start with your age, pay and savings. Joey Planner works out compulsory contributions, inflation and compound growth from them.

Joey Planner guided tutorial showing step-by-step retirement planning

Purchasing Power

What the money could buy, in today's prices.

Projections show the future amount and what it would buy in today's ringgit or dollars. RM1 million in 30 years won't buy as much as RM1 million does today.

Inflation-adjusted retirement projections showing nominal vs real value

Full Picture

Debts in the same picture as your savings.

Add a mortgage, a car loan, a study loan such as PTPTN or HECS-HELP, or a credit line. See how debts could change your retirement timeline, and which ones could last past your working years.

Debt-aware retirement planning showing loan impact analysis

Stress-Tested

500 market scenarios, one range of outcomes.

Monte Carlo simulation runs your figures through hundreds of possible market paths, from crashes to booms, and shows the spread of results. A range, not a prediction.

Monte Carlo simulation showing portfolio outcomes across market scenarios

This is an educational planning tool only. We are not licensed financial advisors. This tool does not provide financial, investment, legal, or tax advice. Results are hypothetical estimates. Past performance does not guarantee future results.