Calculator

Life Coverage Calculator

A proper needs-based analysis — the same method professional financial planners use.

1 · Loans & debts

Enter your monthly instalments — we work out the outstanding balances for you.

🏠 Housing loan

🚗 Car loan

2 · Monthly living costs

What your family spends each month — we replace this for the years they need support.

20 years

3 · Future lump sums

4 · What you already have

How this works

We use the standard needs-based method:

  • Settle every loan — computed from your instalments, so you don't need to know your balances
  • Replace your family's monthly living costs for the years they depend on you
  • Fund your children's education and final expenses
  • Then subtract insurance and savings you already have

Categories based on EPF's Belanjawanku guide and DOSM's Household Expenditure Survey. Fill in what applies to you — skip anything that doesn't.

Ready to secure your future?

Get a personalised recommendation — no pressure, no jargon. Annabel will walk you through exactly what fits your life and budget.

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