⚙️ Programme Setup
Configure your inputs — all charts and projections update automatically
🗓 Programme Settings
💾 SAVE — Financial Freedom Fund Setup
RM
Applied every month for entire duration
RM
Amount allocated from Day 1
Month when annual salary increment fires
RM
One-time contribution in Month 1
🏅
Promotion / Grade Progression
— additional savings starting from a specific month & year
RM
Effective from
— not set —
📈 Annual Salary Increment Allocation — Cumulative (Each year's increment ADDS to the previous total)
| Increment Event | Effective From | Add Amount (RM/mth) | Running Total After | Notes (Optional) |
|---|
💡 How it works: Each increment adds to the running total. E.g. Base=RM200, Inc1=+RM250 → RM450/mth, Inc2=+RM250 → RM700/mth, and so on.
📈 INVEST — Investment Level Selection per Year
Select your preferred investment level for each year. The projection auto-updates based on your selection. You can mix and match levels.
| Year | Period | Investment Level | Monthly Return | Annual Return | Risk Level |
|---|
Investment Levels Available:
Conservative (0.5%/mo · 6% p.a.)
·
Moderate (1.0%/mo · 12% p.a.)
·
Aggressive L1 (2.5%/mo · 30% p.a.)
·
Aggressive L2 (5.0%/mo · 60% p.a.)
·
Aggressive L3 (10.0%/mo · 120% p.a.)
⚠️ Disclaimer: Past performance does not guarantee future results. Higher return levels carry significantly higher risk. These are projections only.
Not yet calculated
📊 5-Year Financial Freedom Overview
Oct 2026 — Sep 2031
Total Capital Saved
RM 0
60-month contributions
Projected Portfolio (Final)
RM 0
—
Total Return
0%
Capital × Return
Net Gain
RM 0
Portfolio − Capital
Max Monthly Save (Y5)
RM 0
Year 5 average
Final Invest Level
—
—
📈 Portfolio Value vs Capital Invested — 60 Months
Projected Portfolio
Cumulative Capital
Actual (entered)
🏆 Year-End Milestones
🔄 Restructure — Financing Restructure
3 steps: Reduce commitments • Save on interest • New financing — Drag rows to reorder
1
Improve Cashflow — Reduce Monthly Commitments
Drag 〓 to reorder • Click a cell to edit • Click ✕ to delete a row
🏷 Legend:
PF Personal Financing
Personal financing
Car Hire PurchaseVehicle hire purchase
CC Credit CardCredit card
HF House FinancingHome financing
PT PTPTNPTPTN education loan
ASBF ASB FinancingASB unit trust financing
AR Ar-RahnuIslamic pawnbroking
BNPL Buy Now Pay LaterBNPL facility (Shopee PayLater, Atome, etc.)
| Bank / Institution | Type | Financing Details | Before (RM) | After (RM) | Savings (RM) | Notes | ||
|---|---|---|---|---|---|---|---|---|
| TOTAL MONTHLY COMMITMENT | RM 0.00 | RM 0.00 | RM 0.00 | 0.00% | ||||
Instalment Before
RM 0
Previous total commitment
Instalment After
RM 0
After restructuring
💰 Saved / Month
RM 0
Cashflow improvement
💰 Saved / Year
RM 0
× 12 months
% Reduction
0.00%
Savings / Before
📈
Savings Projection — 5 Years (60 Months)
Monthly savings accumulated from Month 1 to Month 60
Total Accumulated (5 Years)
RM 0
ℹ️ Note: Supporting documents required — CCRIS report, 3 months' payslips, and current financing statements before the restructure application.
2
Save on Interest — Waive / Reduce Remaining Interest
🔗 Bank, type & details auto-filled from Step 1 • Only enter original interest & after waiver
| 🔗 Bank / Institution | 🔗 Type | 🔗 Financing Details | Years Left | ƒx Original Interest (RM) | After Waiver (RM) | Interest Saved (RM) | Notes |
|---|---|---|---|---|---|---|---|
| TOTAL INTEREST | RM 0.00 | RM 0.00 | RM 0.00 | ||||
Original Remaining Interest
RM 0
Total interest payable
After Negotiation
RM 0
Interest after waiver
💰 Interest Saved
RM 0
No longer payable
⚡ Strategy: Tell the bank you want to settle early. Banks usually give an interest rebate based on the Rule of 78 or the Actuarial Method.
3
New Financing — Schedule & Summary
New financing details, usage breakdown, and full instalment schedule with automatic formulas
| Bank | Type | Financing Amount (RM) | Tenure (Yrs) | Monthly Instalment (RM) | Interest Rate (%) | Total Interest (RM) | Interest First 5 Yrs | ||
|---|---|---|---|---|---|---|---|---|---|
| TOTAL | RM 0.00 | — | RM 0.00 | — | RM 0.00 | RM 0.00 | |||
Total Debt to Settle (RM)
Cash / Emergency / Investment (RM)
Bank Fees (Takaful & Others) (RM)
Others (RM)
TOTAL FINANCING (RM)
0.00
Net Cash Received
RM 0
After deducting debt repayment & fees
ℹ️ Use the cash received for the FFF and emergencies — don't spend it on expenses!
🔗 Financing Amount
—
🔗 Interest Rate (% p.a.)
—
🔗 Term (Years)
—
ƒx Monthly Instalment
—
Total Payment
RM 0
Principal + Interest
Total Interest
RM 0
Overall cost
Interest First 5 Yrs
RM 0
If settled early
Term
— months
Financing term
| Month | Opening Balance (RM) | Payment (RM) | Interest (RM) | Principal (RM) | Closing Balance (RM) | Cumulative Interest | Note |
|---|
✅
Action Plan & Progress Tracker
Record every action • Drag to reorder • Update status regularly
| Action / Task | Target Date | Status | Completion Date | Notes / Progress | Document |
|---|
Total Actions
0
✅ Done
0
🔄 In Progress
0
⏳ Not Started
0
% Done
0%
✍️
Coach Notes
Observations, suggestions, or instructions from the Coach to the client
Notes are saved for the current session
0 characters
💾 Save — Financial Freedom Fund
Track your monthly contributions by source
Total Projected (Full Period)
RM 0
Actual Saved (Entered)
RM 0
0% achieved
Composition Split
📊 Monthly Savings by Source (Stacked)
One-off / Bonus
Cashflow Restructuring
Salary Allocation (cumulative)
Actual
📈 Cumulative Savings — Projected vs Actual
📈 Invest — Portfolio Growth
5-phase investment progression with escalating returns
Total Capital Deployed
RM 0
Final Projected Portfolio
RM 0
Actual Portfolio (Latest)
RM 0
📈 Portfolio Growth — Projected vs Actual
Projected Portfolio
Cumulative Capital
Actual Portfolio
📊 Monthly Return by Investment Phase
📅 Monthly Tracker — Actual vs Projected
Enter your actual figures every month — dashboard updates automatically
💾 Save — Monthly FFF Tracker
| Month | CF Saving | Salary | Promo | Projected | Actual (RM) | +/− | Cumulative | Others |
|---|---|---|---|---|---|---|---|---|
| TOTAL | — | — | — | — | ||||
📈 Invest — Monthly Portfolio Tracker
| Month | Level | Return % | Capital Added | Proj. Portfolio | Actual (RM) | vs Proj. |
|---|---|---|---|---|---|---|
| YEAR-END TOTAL | — | — | — | — | ||
🖨 Print View — Financial Freedom Planner
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