Adjusted Expenses Method Malaysia – Retirement Calculator
The Adjusted Expenses Method Malaysia is a practical way to calculate your retirement needs, based on your real monthly expenses. The Adjusted Expenses Method is another simple way to estimate your retirement needs. Instead of focusing on salary, this method looks at your monthly spending habits.
调整开销法（Adjusted Expenses Method Malaysia）
调整开销法 是另一种常见的退休规划方式。和“收入替代率法”不同，这个方法不是看薪水，而是直接根据你的 每月生活开销 来推算退休所需资金。
为什么要用调整开销法？
- 更贴近现实，因为它考虑了你真实的支出习惯
- 能清楚看到哪些开销在退休后会增加，哪些会减少
- 可以和 收入替代率法 互补，提供更完整的退休规划
如何使用调整开销法？
👉 在下面的计算器输入你目前的每月开销，例如保险、房贷、食物、交通、医疗等。系统会帮你推算出退休时需要的资金。
示例
- 保险：RM500
- 房贷/租金：RM1,200
- 食物：RM1,500
- 交通：RM600
- 医疗：RM300
- 其他：RM500
✅ 根据这些支出，计算器会推算你在退休后，每年大概需要多少钱来维持生活。
退休最美好的地方是：你终于可以光明正大“什么都不做”了。😄
💡 下一步
完成计算后，你可以：
- 对比 收入替代率法 的结果
- 索取 免费退休计算器 (Excel)，帮你做更完整的退休计划
As a result, it gives you a practical picture of how much you will really need in retirement. Therefore, it is a good complement to the Income Replacement Ratio Method.
How the Adjusted Expenses Method Malaysia Works
👉 Key in your current monthly expenses below to estimate your retirement needs.
“Retirement is wonderful if you have two essentials — much to live on and much to live for.”
💡 Next Steps
Once you complete the calculation, you can:
- Compare your results with the Income Replacement Ratio Method → [link to IRR page]
- Request our Free Malaysia Retirement Calculator (Excel) for a more complete plan →
🚀Send Me My Free Calculator / 索取免费退休计算机
