Investment Return Calculators Malaysia

EPF, ASB, DCA, compound interest & multi-asset comparison β€” all in Ringgit.

πŸ“Š

DCA Calculator β€” Dollar Cost Averaging

Monthly investment projection with animated bar chart

RM
%
yrs

Enter your monthly investment
and click Calculate

πŸ’Ή

Compound Interest Calculator

Lump sum + monthly top-up, choose compounding frequency

RM
RM
%
yrs

Enter investment details
and click Calculate

πŸ†

Asset Comparison: EPF vs ASB vs Gold vs KLCI vs REITs

See which asset grows your money fastest over time

RM
yrs

Assumed Returns (editable)

%
%
%
%

Enter amount & years
and click Compare

🏦

Unit Trust Calculator

After sales charge & TER (Total Expense Ratio) β€” what you actually earn

RM
RM
%
%

Typical Malaysia unit trust TER: 1.2%–1.8% p.a.

%
yrs

Enter fund details and
click Calculate

πŸ’°

Dividend Income Calculator

REITs, dividend stocks, ASB β€” with optional DRIP reinvestment

RM
%
%
yrs

Enter portfolio value & yield
and click Calculate

πŸͺ™

EPF Voluntary Contribution (VC) Calculator

Extra EPF top-up: tax relief up to RM3,000 + 5.5% guaranteed returns

RM
RM
yrs
%
πŸ’‘ EPF VC Tax Relief

Voluntary EPF contributions qualify for personal tax relief of up to RM3,000/year (under Section 49(1)(b) of the Income Tax Act). This is separate from the mandatory EPF relief of RM4,000.

Enter salary & voluntary amount
and click Calculate

Investing FAQ

EPF declared a 5.50% dividend for the conventional account in 2025, and 5.40% for the Shariah account. This is one of the highest guaranteed returns available to Malaysians, making EPF a cornerstone of retirement planning.
ASB (5.80% in 2025) historically returns slightly more than EPF, but is only available to Bumiputera Malaysians. ASB units are capped β€” those with full investment should top up EPF voluntary contributions (VC) next. Both are capital-guaranteed.
DCA means investing a fixed amount regularly (e.g. RM500/month) regardless of market price. This reduces the impact of market volatility β€” you buy more units when prices are low, fewer when high. Over time, DCA typically outperforms lump-sum investing for risk-averse investors.