ASB Investment Calculator

Compare loan-backed investing against direct investing with surrender, reinvestment, and variable dividend assumptions.

⌨️ Ctrl+Enter Calculate · Ctrl+S Save · Ctrl+O Load · Ctrl+R Reset
v7.8
Core Assumptions
Start with the loan amount, rates, and time horizon. Advanced surrender options stay collapsed until needed.
Forecast
Surrender & Reinvestment
📊 Compare Scenarios Side-by-Side
Save two different scenarios, then compare them. Great for comparing surrender years, dividend rates, or loan amounts.
Scenario A
(empty)
Scenario B
(empty)
Cashflow Options
Optional adjustments for one-off cash-ins and cash-outs. Leave this collapsed for a basic comparison.
📤 Loan Cash-Outs: 0 📤 Direct Cash-Outs: 0 📥 Loan Cash-Ins: 0 📥 Direct Cash-Ins: 0

Loan Investment Cash-Outs

Direct Investment Cash-Outs

Loan Investment Cash-Ins

Direct Investment Cash-Ins

Results Dashboard
The headline card shows the favored option. The two strategy cards keep total outlay, final value, and net profit easy to scan.
Verdict
MYR 0.00
No result yet

ASB Loan

Monthly Payment-
Total Outlay-
Final Value-
Net Profit-

Direct

Total Outlay-
Final Value-
Net Profit-
Chart view
Run a calculation to see additional details.
Surrender vs. Direct Comparison
Compare surrender profit against direct investment profit across every year of the loan term.
Year Surrender Value (MYR) Surrender Profit (MYR) Direct Profit (MYR)
Advanced Mode: Variable Dividend Rates
Enter expected ASB dividend rates for specific years. If a year is not specified, the rate from the most recent previous year will be used.
MODE: Forecast (2026+)
Year Dividend Rate (%)
Ready v7.8