You Know Your Monthly Expenses Today. But Do You Know What They Will Cost When You Retire?

Use Eva’s Retirement Reality Calculator to estimate how much you may need at retirement age, based on your current lifestyle cost, inflation, expected investment return, current savings, and retirement timeline.

Calculate My Retirement Number

A simple calculator to help you see the gap between what you have today and what your future retirement lifestyle may require.

Meet Dr Eva Wong

Dr Eva helps individuals, families, professionals, and retirees make clearer financial decisions across different life stages.

Her work covers retirement and legacy planning, wealth thinking, financial behaviour, cash flow, children’s financial education, and practical money coaching.

Through her books, YouTube videos, social media content, newsletters, and financial talks, Eva simplifies financial topics so people can understand their numbers, ask better questions, and make more confident financial decisions.

Her current focus is helping people understand whether their savings, passive income, and assets are properly structured to support their retirement lifestyle and family legacy.

Credentials:

Academic Foundation

PhD in Business Economics

MSc in Construction Contract Management

BQSurv (Hons) — Bachelor of Quantity Surveying with Honours

Professional Planning Background

Certified Financial Planner (CFP)

Member of the Royal Institution of Chartered Surveyors, UK (MRICS)

Member of the Royal Institution of Chartered Surveyors, Malaysia (MRISM)

Chartered Quantity Surveyor

Associate Estate Planning Practitioner (AEPP)

Coaching & Training Credentials

HRD Corp Accredited Trainer

Certified Financial Coach™

Certified Wealthflow Coach

Certified Professional Coach

Author & Speaker

Co-author of Financial Guide for Individuals and Companies

Co-author of Ordinary People; Extraordinary Stories

Motivational Speaker

Financial Educator

YouTube Content Creator

Hear From People Eva Has Helped

My wife and I attended Eva’s “Road to Financial Freedom” workshop, and it was very beneficial for our financial planning. Through the program, we learned how to manage our finances better, identify potential assets, generate passive income, and prepare financially for future opportunities. Eva also shared practical insights on how businesses can manage their funds more effectively. We were very satisfied with Eva’s clear explanation, professionalism, and practical case studies. I highly recommend Eva to anyone who wants to improve their financial planning and work towards financial freedom.

After I met Eva Wong and consulted her advice and financial health check, I finally see the clear picture of my debts and I went back sort out my debts, my insurance policy and set my budget and jar system. Its very valuable advice. When i first found out i need to save RM3k a month to achieve my financial goal i told her thats impossible i barely can save RM100 a month. But because of her i set my goals and works towards it. And now not only i settle all my debts and i can really save RM3k a month.

Eva had given many people easy and yet important guidance in achieving financial healthy. She is passionate about her work and always took extra steps in assisting her clients and students. With great & deep financial & wealth accumulation knowledge, she is able to help to provide easy understanding guidance to many who are in need for growing wealth. I am lucky to be one of her student and did change my financial behaviour and improve my wealth status since then.

Your Current Lifestyle Will Cost More in the Future. Have You Calculated It?

Many people plan retirement based on what they spend today. But retirement does not happen today.

If you are 43 today and plan to retire at 65, your retirement lifestyle is 22 years away. With inflation, the same lifestyle may cost much more by the time you retire.

Inflation can significantly increase your lifestyle needs.

That means the better question is not “How much do I spend now?”
The better question is: “How much will this lifestyle cost when I stop working?”

Find out my retirement number

Retirement Planning Should Start With a Number, Not a Guess.

You may already have EPF, savings, fixed deposits, investments, property, insurance, rental income, or other assets.

But the real question is:

Will they be enough to support the lifestyle you want after retirement?

Years Until Retirement

Future Cost of Current Lifestyle

Retirement Fund You May Need

Current Saving You Already Have

Your Retirement Gap

Monthly / Yearly Investment Needed

The result may surprise you, but it gives you something very important: Clarity.

Finleap Retirement Calculator

How much do you need for retirement?

Fill in your details below and get an estimated retirement number instantly.

Your Inputs

Current Age

Desired Retirement Age

Inflation Rate (%)

Investment Return Rate (%)

Monthly Expenses Today (RM)

Current Investment Value (RM)

Expected Monthly Passive Income During Retirement (RM)

Your Estimated Result

Years to Retirement-

Adjusted Return Rate-

Future Monthly Expenses-

Future Yearly Expenses-

Yearly Passive Income-

Retirement Fund Needed-

Yearly Investment Required-

Monthly Investment Required-

Send My Finleap Retirement Report

Enter your details and we will email the result summary to you.

Name

Phone / WhatsApp

Knowing the Number Is Step One. Building the Structure Is Step Two.

The calculator gives you an estimated retirement number.

But the next question is:

What should you do with this number?

If there is a gap, it may be time to review how your savings, investments, passive income, assets, and protection plan work together.

Eva can help you review:

Your retirement income target
Your current savings and investment position
Your income replacement gap
Your passive income strategy
Your asset structure
Your family protection plan
Your legacy planning direction
Practical next steps based on your life stage

Request a Retirement & Legacy Structure Review

Privacy Note

Your information will only be used to calculate your retirement estimate, send you related resources, and follow up with relevant financial education or planning communication. Your details will not be shared with unrelated third parties.