engineerdad.my — Unit Trust Consultant Tool

EPF Sustainability Proof Calculator

Enter your client's details to calculate how much of their retirement lifestyle EPF alone can sustain — and quantify the gap that needs to be filled.

Client details
From myEPF app or annual statement
70% = maintain current lifestyle (World Bank benchmark)
Assumptions (editable)
Default 5% — matches inflation assumption
Default 5% — conservative lifestyle cost escalation
Default: 11% employee + 12% employer = 23%
Return earned on EPF balance during retirement drawdown