HLMTServ - Need Analysis Calculator

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 (s) should income be provided

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/Takaful 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

Monthly Income

Own Income

Spouse's Income

Part time job

House rental

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{$HLMTDividentBonus

Other Income

Total Income

Monthly Expenses

Fixed Expenses

Saving (Recommend more than 10%-30% Estimate)

House Financing/ Loan

Hire Purchase Financing/ Loan

Personal Financing/ Loan

Other Financing/ Loan

Insurance/Takaful

Cable TV

Maintenance

Other Fixed Expenses

Total Fixed Expenses

Variable Expenses

Food and Household

Car Maintenance

Travelling, Petrol, Toll, Parking

Electric, Water, HandPhone and etc

Education

Medical Expenses

Children's Expenses

Entertainment

Other Variable Expenses

Total Variable Expenses

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Total Monthly Expenses

RM 0

Surplus/(Deficit)