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Kalkulator Takaful Versi 2026

Analisis kewangan peribadi yang menyeluruh, untuk takaful yang tepat.

Empat kalkulator dalam satu — Networth, Survival Keluarga, Kad Medikal, dan Hibah.
Semua tab berkait rapat. Isi sekali, dapat gambaran penuh.
Kalkulator Bersepadu
~ min Masa Diperlukan
% Auto-Sync

Pelan anggaran takaful anda

Berapa net worth sebenar anda?

Aset ditolak liabiliti. Data ni akan auto-suggest komitmen di tab seterusnya.

Net Worth Anda
RM 0
Mengira...
Jumlah AsetRM 0
Jumlah LiabilitiRM 0
Aset Cair (Liquid)RM 0
💡 Aset cair = tunai + EPF + pelaburan. Inilah duit yang boleh diakses dalam masa terdekat.

Kalau gaji berhenti hari ni, berapa lama keluarga boleh bertahan?

Komitmen bulanan dah auto-suggest dari data Networth. Boleh tweak ikut kesesuaian.

Auto
Auto
Auto
Berapa tahun keluarga perlu duit ni? 5tahun
1 thn10 thn20 thn
Auto-sync dengan Hibah (Tab 4)
Jumlah Perlindungan Diperlukan
RM 0
Cash tunai untuk maintain gaya hidup keluarga selama 5 tahun jika gaji terhenti.
Total Komitmen BulananRM 0
Total Komitmen SetahunRM 0
Anggaran Caruman/Bulan*RM 0
*Anggaran kasar untuk umur 30 tahun. Harga sebenar bergantung kepada underwriting.

Anggaran caruman kad medikal bulanan

Tiga tier plan untuk pilih ikut bajet dan keperluan.

Sync
Silver
R&B 150 · Limit RM100K+
RM 0/ bulan
Bilik & Makan RM150/hari
Cover hospitalisasi standard
Gold
R&B 200 · Limit RM1 juta
RM 0/ bulan
Bilik & Makan RM200/hari
High limit untuk treatment major
Best value untuk family
Platinum
R&B 300+ · Limit RM2 juta
RM 0/ bulan
Bilik & Makan RM300/hari
Cover overseas treatment

Berapa jumlah hibah yang sepatutnya?

Hibah patut cukup untuk: ganti gaji yang hilang + bayar liabiliti + dana pendidikan anak.

Coverage Survival KeluargaRM 0
Liabiliti perlu dilangsaiRM 0
Dana Pendidikan AnakRM 0
Cadangan HibahRM 0
⚠️ Jumlah peratus mestilah 100%
Jumlah Hibah
RM 0
Diagihkan kepada 0 orang waris.
Anggaran Caruman/Bulan*RM 0
*Berdasarkan pelan Hibah dengan tempoh cover 30 tahun untuk umur 30.
Dapatkan Proposal Hibah →
Penafian: Kalkulator ini untuk anggaran sahaja. Jumlah dan kadar caruman sebenar mungkin berbeza berdasarkan underwriting. Sila rujuk ejen takaful bertauliah.

Kalkulator Survival Keluarga

Kalau gaji berhenti hari ni, berapa lama simpanan korang boleh bertahan?
Isi maklumat kat bawah ni untuk tengok realiti kewangan korang.

1 Profil Anda

THN

2 Komitmen Bulanan

Auto-Set ikut Status
RM
RM
RM
RM
RM
RM

Berapa tahun family perlu duit ni?

5 Tahun

Jumlah Perlindungan Diperlukan

Ini adalah jumlah CASH tunai yang keluarga anda perlukan untuk maintain gaya hidup sekarang selama 5 tahun jika gaji anda terhenti.

RM0
Pecahan Bulanan: RM0

Anggaran Caruman

Untuk umur 30 tahun

RM0 /bulan*
Total Komitmen: RM0
Tempoh Cover: 5 Tahun

*Harga anggaran kasar. Harga sebenar mungkin berbeza.

Dapatkan Proposal Hibah RM0K

Kira anggaran kad medikal anda

TAHUN

*Kelas pekerjaan mempengaruhi kadar caruman (Risk Loading).

Anggaran Caruman Bulanan

Plan Silver (R&B 150)

Limit Tahunan: RM100,000+

RM0 /bulan
POPULAR

Plan Gold (R&B 200)

Limit Tahunan: RM1,000,000 (High Limit)

RM0 /bulan

Plan Platinum (R&B 300)

Limit Tahunan: RM2,000,000+

RM0 /bulan

*Penafian: Harga di atas adalah anggaran berdasarkan kadar semasa untuk profil standard. Harga sebenar mungkin berbeza mengikut tarikh lahir, kelas pekerjaan dan pengesahan pihak pengendali.

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