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Ben Ong Advisory Private Wealth Planning
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Complimentary Planning Tools

Your Future,
Thoughtfully Planned

Institutional-grade planning tools designed to give you clarity over your financial future — at no cost.

Module One

Retirement Planning

Project your retirement corpus, assess income sustainability, and discover exactly how much you need to save each month to retire with confidence.

  • Retirement corpus projection
  • Inflation-adjusted income analysis
  • Savings gap & surplus report
  • 30-year wealth accumulation chart
  • PDF report delivered to your inbox
Begin Analysis
Module Two

Education Planning

Calculate the true future cost of your child's university education, factoring in education inflation, and determine the savings plan to get there.

  • Future education cost projection
  • Education inflation modelling
  • Monthly savings target calculator
  • Goal progress chart
  • PDF report delivered to your inbox
Begin Analysis
Module Three

Mortgage Calculator

Calculate your monthly repayment, total interest cost, and view a complete year-by-year amortisation schedule for your home loan.

  • Monthly instalment calculation
  • Total interest & cost summary
  • Year-by-year amortisation table
  • Affordability check
Calculate Now
Module Four

Cash Flow Analysis

Map your monthly income and expenses to reveal your true savings capacity, spot financial leaks, and get a personalised health score.

  • Income vs expense breakdown
  • Monthly surplus / deficit
  • Savings rate benchmark
  • Financial health score
Analyse Now

For illustrative purposes only. Past performance is not indicative of future results. Please consult your financial adviser for personalised advice.

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Module One

Retirement Planning Tool

01
Personal Details
Years old 35
Years old 60
Years old 85
02
Current Financial Position
RM
Include EPF, unit trust, fixed deposits etc.
RM
Total monthly savings towards retirement
Per annum 7%
Conservative: 4–5% | Moderate: 6–8% | Aggressive: 9–12%
Per annum 3%
Malaysia long-term avg: ~2.5–3.5%
03
Retirement Income Needs
RM
In today's value — we'll adjust for inflation

Your Retirement Analysis

Wealth Accumulation Projection
Your estimated portfolio value year-by-year until retirement
Retirement Income Sustainability
How long your retirement fund is projected to last
Important Notice: This tool is for illustrative and educational purposes only. Projections are based on the assumptions you have entered and do not constitute financial advice. Actual returns may vary. Ben Ong Advisory is not responsible for investment decisions made on the basis of these projections. Please consult a licensed financial adviser before making any financial decisions. © 2024 Ben Ong Advisory · www.benongadvisory.com
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Module Two

Education Planning Tool

01
Parent & Child Details
Years old 5
Years old 18
02
Education Cost Estimates
RM
Include tuition, living, misc. for entire course
Select to auto-fill estimated cost
Per annum 5%
Education costs typically rise 4–6% per year
Per annum 6%
03
Current Education Savings
RM
PRS, unit trust, ASB, fixed deposit, SSPN etc.
RM
Your current monthly education savings

Education Fund Analysis

Education Fund Growth vs Target Cost
Comparing your projected savings against the inflation-adjusted education cost
Monthly Savings Milestone
Cumulative contributions and investment growth year by year
Important Notice: This tool is for illustrative and educational purposes only. Projections are based on the assumptions you have entered and do not constitute financial advice. Actual returns may vary. Ben Ong Advisory is not responsible for investment decisions made on the basis of these projections. © 2024 Ben Ong Advisory · www.benongadvisory.com
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Module Three

Mortgage Loan Calculator

01
Loan Details
Standard minimum is 10%
BLR-based: typical range 3.5–5.5% p.a.
Max 35 years for residential property
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Module Four

Cash Flow Analysis

01
Monthly Income
Financial planners recommend saving ≥20% of income
02
Monthly Expenses
Existing home loan monthly instalment
Car loan, personal loan, PTPTN, etc.