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Protection planning · Malaysia

How much would your family need without you?

For a two‑income household with children. Enter your numbers and see, for each parent, the lump sum that would keep the family whole — and how much of it is already covered. All figures in ringgit (RM).

01

The earners

Parent A — name

Annual income

RM

Existing life cover

RM

Parent B — name

Annual income

RM

Existing life cover

RM

02

What the family must carry

Number of children

Education fund per child

RM

Mortgage + other debts

RM

Final expenses

RM

03

Income to replace

Years to replace income

yrs

Share of income to replace

%

Annual household expenses

RM

Emergency buffer

months

04

Savings and assets

TypeAmountReturn / yr

Total · blended return — —

The total offsets the family's need; the blended return is used to project how long the cover would last.

Inflation

% / yr

Where the need comes from — and where cover runs out

Both bars share the same ringgit scale, so you can compare the two parents directly — the in‑card gauges above can't, since each is scaled to its own total. The vertical line marks how far existing cover plus savings reaches; everything past it is the gap.