2.5%
General inflation
How fast everyday prices rise each year in the plan — the central bank’s published target.
FIRE Planner · FIRE calculator for Malaysia
A FIRE calculator for Malaysia: EPF, PRS and your road to financial freedomEPF · KWSP · Akaun Persaraan · Akaun Sejahtera · Akaun Fleksibel · PRS · i-Emas · financial freedom
Nivritee’s FIRE Planner projects when your household could reach financial freedom, in ringgit, with Malaysian inflation, a fast-rising medical cost rate and your EPF and PRS balances pre-filled as rows. It is free: eight answers after sign-up, about two minutes.
Your Location
| Country | Currency | Inflation | Medical |
|---|---|---|---|
| India | INR | 4.0% | 12.0% |
| United Kingdom | GBP | 2.0% | 8.2% |
| Singapore | SGD | 2.0% | 11.0% |
| United States | USD | 2.0% | 9.2% |
Eleven countries. Every rate shown, every rate yours to change.
FIRE Planner · your FI number in MYR
Your FI number at a 4% withdrawal rate, and how you compare.
Your FI number is a year of the life you plan after you stop working, divided by the 4% withdrawal rate the planner uses for Malaysia, with tax on withdrawals allowed for, your goals added and income that keeps paying netted off. It is projected in MYR (RM), with a Financial Freedom Index out of 100 beside it.
Malaysia publishes household income rather than household wealth, so your peer percentile compares your household’s income with the DOSM Household Income Survey, aged forward from its survey year.
How the FIRE Planner works →Financial freedom index
51Building momentum
- Progress 50% of the score 21What you have, against the number this plan says you need.
- Trajectory 30% of the score 100The age the projection actually reaches independence at.
- Resilience 20% of the score 50Emergency cover and how much debt you are carrying.
An illustrative household. Your own score is computed from your plan and stored, not estimated.
Malaysia · the rates your plan starts from
The Malaysia rates every plan projects with.
A plan for Malaysia starts from these, in MYR. Each one is shown on your plan and yours to change, and changing one changes nobody else’s.
5.5%
Education inflation
School and university fees, which rise faster than everyday prices.
12%
Medical inflation
Healthcare costs, which rise faster than everyday prices in almost every market.
8%
Return while you work
An assumption, not a forecast — shown so you can change it.
4.5%
Return after you stop
Lower, because money being drawn on is usually held more cautiously.
4%
Withdrawal rate
What your FI number assumes you draw from your savings in a year.
Portfolio Tracker · Malaysia schemes in one plan
EPF (Malaysia), PRS — rows in your plan from the start.
- EPF (Malaysia) — Employees Provident Fund: compulsory retirement savings from you and your employer, paying an annual dividend.
- PRS — Private Retirement Scheme: voluntary long-term investment to top up your EPF.
Each is a row in your plan, under its own name, beside your stocks, funds and deposits in any other country — all converted into one currency in the Portfolio Tracker.
How the Portfolio Tracker works →
Malaysia · when the money can be reached
When pensions and schemes can be reached.
The ages that decide how a FIRE plan bridges the years after the salary stops.
Access age 1
At 55 your EPF accounts are combined and can be withdrawn in full, in part or as monthly payments; contributions made after 55 open at 60.
Access age 2
PRS can be withdrawn from 55 without the tax penalty; earlier withdrawals from sub-account B pay 8%, except for housing or healthcare.
FIRE Planner · Malaysia
What your Malaysia FIRE plan has to get right.
Since May 2024 each EPF contribution is split 75% to Akaun Persaraan, 15% to Akaun Sejahtera and 10% to Akaun Fleksibel, which can be withdrawn at any time. Nivritee projects your EPF as one row and shows the years before 55, when the rest opens.
Employees contribute 11% of wages to EPF, and employers 13% on wages up to RM5,000 a month or 12% above it.
Medical costs in Nivritee rise at their own rate rather than general inflation; insurers in WTW’s survey project a 14% Asia Pacific medical cost trend for 2026.
Malaysia publishes household income rather than wealth, so your peer percentile compares your household’s income with Malaysian households in DOSM’s Household Income Survey, and the card says so.
Why Nivritee for Malaysia
The FIRE Planner, joined to everything else your household runs.
Your Malaysia plan reads the same figures as the other five pillars — what you hold, earn, spend and owe, in whichever countries they are in.
Portfolio Tracker
Multi-currency portfolio and net-worth tracker
Stocks, funds and deposits from every country you invest in, valued daily in one home currency, with your real return (XIRR).
Portfolio Tracker →Money Manager
Personal finance for income, spending, loans and goals
What you earn, spend and owe, benchmarked against your country, your city and each kind of inflation.
Money Manager →Family Finance
Family finance for couples, with sharing you control
Plan as a couple with your own logins, choose what each of you sees, and give your CA or lawyer read-only access.
Family Finance →Niv
Free AI financial assistant
Analyses your portfolio, spending, buckets and plan, runs what-ifs on the real projection, and explains. You decide.
Niv →Freedom Ladder
A four-bucket strategy for your money
Survival, Sustenance, Sufficiency, Surplus: how much belongs in each bucket, and whether it is in something that bucket can use.
Freedom Ladder →What only Nivritee does
A FIRE calculator that knows what you already hold.
FIRE calculators start from a figure you type. The FIRE Planner starts from everything your household holds, in every country, in one currency — and plans for both of you.
Every country, one currency
Indian mutual funds, US stocks, a UK fund and a Gulf deposit in one household figure, converted daily into your home currency.
Tracking and planning, joined up
What you hold today feeds the projection of when you could stop. Portfolio trackers do not plan; FIRE calculators do not track.
Built for a family, not one login
Two people, one plan, each choosing what the other sees — and your CA or lawyer sees exactly what you share, read-only.
Benchmarked against your country
Eleven markets’ inflation, schemes and household surveys, so your spending and your percentile are measured where you live.
An assistant that runs the real numbers
Ask Niv a what-if and she runs it on your own projection and reports both figures — she never guesses at arithmetic.
Free, with nothing to sell
No fee, no commissions, no products. Nobody at Nivritee can open your plan.
FIRE calculator Malaysia · questions
FIRE in Malaysia: questions people ask.
How much do I need for financial freedom in Malaysia?
The common rule of thumb is 25 times a year’s spending: a 4% first-year withdrawal, raised with inflation, lasted at least 30 years through US market history in William Bengen’s 1994 study. Nivritee’s FI number uses a 4% withdrawal rate on your own spending, adds your goals and nets off income that keeps paying.
When can I withdraw my EPF?
Akaun Fleksibel at any time. Everything else at 55, in full, in part or monthly; contributions made after 55 open at 60.
Can I take money out of PRS before 55?
From sub-account B, with an 8% tax penalty unless it is for housing or healthcare; from 55 withdrawals carry no penalty.
Is there a free FIRE calculator for Malaysia?
Yes. Nivritee’s FIRE Planner is free, with no paid tier. Once you have an account it asks eight questions — about two minutes — and projects your plan year by year in ringgit with Malaysian inflation and your EPF and PRS. You get your FI number, a 0–100 Financial Freedom Index, eight stress tests and how your household income compares with Malaysian households.
Find your FI number for Malaysia.
About two minutes to a first answer from eight figures, then add your holdings, your partner and the detail at your own pace. Free, no bank login, and nobody at Nivritee can open your plan.
Start free