Money Health Check
A quick, private check of where your money stands — a score out of 100 and a clear action plan for what to fix first. Nothing is saved.
Good progress with a few gaps worth addressing.
Your action plan
Fix these in order — the biggest, most urgent gaps first.
At 50% of your age-group target. Consider voluntary top-ups to close the gap.
Do this: Make voluntary EPF contributions (up to RM60k/year) — contributions qualify for tax relief up to RM4,000. Read the guide →
18% of the way to RM 100,000. Keep building.
Do this: Review your goal monthly and increase your contribution by RM100–200 whenever your income rises. Read the guide →
Strengths: Savings Rate, Debt-to-Income, Emergency Buffer — keep these up.
Insights for you
Specific, rule-based observations from your numbers.
Your RM3,000 card balance costs roughly RM540 a year in interest (assuming ~18% APR) — more than almost any investment returns.
Do this: Attack the card balance before saving or investing anything beyond your minimum buffer. Read the guide →
Your savings cover about 2.4 months of expenses. A 3-6 month buffer (RM9,900–RM19,800) protects you from shocks.
Do this: Automate a fixed transfer to a separate high-yield savings account on payday. Read the guide →
Your EPF (RM40,000) is below the RM80,000 typical for your life stage. Voluntary top-ups also qualify for tax relief.
Do this: Consider i-Saraan / voluntary EPF contributions — relief of up to RM4,000/year applies. Read the guide →
Frequently asked questions
How is my money score calculated?
Your inputs are scored across five dimensions — emergency buffer, savings rate, debt-to-income, EPF adequacy and goal progress — each out of 20, for a total out of 100. Nothing is stored; the score is computed in your browser.
What does the action plan do?
It ranks your weakest dimensions worst-first — the most urgent, highest-impact gaps at the top — and gives one concrete action for each, linked to a guide that goes deeper.
Is my data saved?
No. This is a client-side check — your figures never leave your device. Create a free profile if you want to track your score over time.
Tools to close the gaps
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