Know your real numbers in 60 seconds. Built by Keith Tew — MDRT 7×, 13+ years advising families in Penang, Butterworth, Bukit Mertajam & Seberang Jaya.
Will your EPF + savings last until 85? See your shortfall in RM and the monthly saving that closes it.
Check my retirement →How much life & critical illness coverage does your family actually need? Find your protection gap.
Check my coverage →What will university cost when your child turns 18 — and what does waiting 5 years cost you monthly?
Check education cost →Medical inflation is ~10%/year. See what today's hospital bills will cost at the age you'll likely claim.
Check medical costs →Not a calculator — a game. Live one life from 18 to 65 and see how well you can plan it. Fun, free, 10 minutes.
Play LifePath →Most financial anxiety comes from not knowing the number. Once you can see it — your retirement shortfall, your family's protection gap, your child's university bill — it stops being scary and becomes a plan. Each calculator takes under a minute, needs no sign-up, and your inputs never leave your browser.
When you're ready to turn your number into a plan, Keith and Circle offer a free, no-obligation consultation — WhatsApp the result straight from any calculator.
Free personalised review — serving Penang, Butterworth, Bukit Mertajam, Seberang Jaya and all of Malaysia.
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