您需储蓄多少退休金？

最好是从您工作赚钱的那天起，就开始为将来储存退休金。定期储蓄将有助增长您的退休金。

请使用此计算机，算出您需储蓄多少退休金。

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For illustration purposes, you may add other savings (e.g.: Unit Trust/Amanah Saham, Fixed Deposit) into the PRS Balance.

I am 30 years old and planning to retire at age 60. I need my retirement income until age 80

My current monthly salary is RM 2,500

My last drawn salary is approx. RM 5,911 and I want approx. RM 3,941 a month during retirement

3941

My current EPF total savings is RM 0

Total 23% EPF contribution per month

My current PRS savings is RM 0

(including other savings, e.g.: Unit Trust/Amanah Saham, Fixed Deposit)

My monthly contribution to PRS is 6%

Before retirement, I would like a 6% annual rate of return for my PRS savings.

Upon retirement, I will continue my savings invested with 4% of return p.a.

Current inflation rate is 3% per annum

Your Retirement Funds at Age 60

You will need
RM 864,227
For 20 years
Until 80 years old
You have about
RM 791,822
Approx. for 19 years
Until 78 years old
  • You will need
  • PRS
  • EPF

注意:

上述资讯仅供说明用途，并以您所输入数据为依据，包括以下假设。

  1. 最后在资月薪的 2/3，以维持退休前的生活品质。
  2. 你的年收入增长按照率是 3%。
  3. 通货膨胀按照率是每年 3%。
  4. 雇员公积金终生储蓄每年平均分红按照 4%。
  5. 退休后，您将以按照 4% 的回酬率保留您的储蓄。 并每月提取一笔您将需要的金额。
退休计算机应仅作为指南之用，不能保证可实现您的退休储蓄目标或旨在提供投资建议。有关您的个人退休计划，请咨询PRS顾问。