Income Replacement Ratio Malaysia – How It Works
The Income Replacement Ratio Malaysia method is one of the simplest ways to estimate your retirement needs. It helps you calculate how much of your last salary you should replace to live comfortably after retirement.
收入替代率法（Income Replacement Ratio Malaysia）
收入替代率法 是最简单的退休规划方法之一。它帮你估算退休后需要多少收入，才能维持和现在差不多的生活水准。
为什么要用收入替代率法？
👉 一般指南：大多数 CFP® 认证财务规划师 建议，你需要替代退休前最后薪水的 75% – 85%，才能保持差不多的生活水平。
例如：如果你最后一年的薪水是 RM100,000，那么你退休后每年大约需要 RM80,000 作为生活开销。
收入替代率计算器
你可以用下面的计算器来测算自己的退休第一年所需收入：
计算示例
- 目前年龄：35 岁
- 目前月收入：RM6,000
- 薪水增长率：2%
- 计划退休年龄：55 岁
- 退休前最后月薪：RM8,915.68
- 退休前最后年薪：RM106,988.16
- 替代率（常见指南：80%）
✅ 退休第一年所需收入：RM85,590.53
为什么这个方法有用？
- 简单易懂，人人都能计算
- 根据你目前的收入来推算
- 能快速提供一个退休参考数值
👉 但要注意，这个方法只是参考。 真实的退休需求，还会受 生活方式、通货膨胀、医疗开销、家庭支持 等影响。 所以最好结合 调整开销法 (Adjusted Expenses Method) 一起使用。
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
想要更完整的计算方式？你可以：
- 尝试 调整开销法
- 索取 免费退休计算器 (Excel)，直接发送到你的 Email 或 WhatsApp
Why Use the Income Replacement Ratio Malaysia Method?
👉 Common Guideline: Most CFP® professionals recommend replacing 75%–85% of your last drawn salary in order to maintain a similar lifestyle after retirement.
For example, if your last annual salary is RM100,000, you should prepare about RM80,000 per year as your retirement income.
Income Replacement Ratio Malaysia Calculator
🧮 Income Replacement Ratio Calculator
This calculator helps you estimate your first-year retirement income. It makes planning easier.
AsExample Input:
- Age Now: 35
- Current Monthly Income: RM6,000
- Salary Growth Rate: 2%
- Desired Retirement Age: 55
- Last Drawn Salary: RM8,915.68
- Last Annual Income: RM106,988.16
- Replacement Ratio (Guideline: 80%)
✅ First Year Retirement Income Required: RM85,590.53
📝 Why Use This Method?
- Easy to understand and apply
- Based on your current income level
- Gives you a quick benchmark for retirement planning
👉 However, this method is only a guideline.
👉 Your real retirement needs may change due to lifestyle, inflation, healthcare costs, and family support.
👉 Therefore, it is best to combine this method with other tools, such as the Adjusted Expenses Method.
The best part about retirement is that you don’t have to worry about getting caught for doing nothing.
-Funny Retirement Quote-
💡 Next Steps
Want a more complete calculation? You can:
- Try our Adjusted Expenses Method → Click Here
- Get our Free Retirement Calculator (Excel) sent directly to your email or WhatsApp.
🚀Send Me My Free Calculator / 索取免费退休计算机
