HLMTServ - Kalkulator Budget Kewangan

Interest Rate (%)

Inflation Rate (%)

A. How much does your family needs in case of your death

Funeral expenses

Outstanding personal loan debt

Outstanding mortgage

How many children require college fund

College fund per child

The current ages of your children

Total monthly income your family needs

How many year do they need the income

B. Do you have any assets your family can use to pay off your debt or loan?

Current savings and investment

Current retirement savings

Existing life insurance cover

C. If you have a spouse

Does your spouse have an income?

What is your spouse's monthly income net of tax

How long does your spouse expect to work

Calculator

Sum assured recommended

Pendapatan Bulanan

Pendapatan Tetap

Pendapatan Pasangan

Pekerjaan Sambilan

Sewa Rumah

Perniagaan

Dividen / Bonus

Pendapatan Lain

Jumlah Pendapatan

Perbelanjaan Bulanan

Perbelanjaan Tetap

Simpanan (Mengesyorkan lebih daripada Anggaran 10% -30%)

Pembiayaan/ Pinjaman Rumah

Pembiayaan/ Pinjaman Sewa Beli

Pembiayaan/ Pinjaman Peribadi

Pembiayaan/ Pinjaman Lain

Insurans/Takaful

TV Kabel

Penyelenggaraan

Perbelanjaan Tetap Lain

Jumlah Perbelanjaan Tetap

Perbelanjaan Pelbagai

Makanan dan isi rumah

Penyelenggaraan Kereta

Perjalanan, Petrol, Tol, Tempat Letak Kereta

Elektrik, Air, Telefon dan sebagainya

Pendidikan

Perbelanjaan Perubatan

Perbelanjaan Anak-anak

Hiburan

Perbelanjaan pelbagai lain

Jumlah perbelanjaan pelbagai

Kalkulator

Jumlah Perbelanjaan Bulanan

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Lebihan/(Defisit)