Wealth shouldn’t be complicated.
Kiira maps your income, debts and savings forward, year by year, so you can weigh big financial decisions on the numbers alone. Pure analysis. Zero agenda.
Big decisions feel scary. Seeing them clearly doesn’t.
Buy or rent. Pay down the loan or invest. Retire at 55 or 60. Kiira lays out every path side by side, using your real numbers.
Know your real cash flow
Take-home pay after EPF, SOCSO, EIS and PCB, minus expenses and debt repayments. The number most budgets guess at.
See everything you own and owe
Savings, EPF, ASB, unit trusts, property, car loans, PTPTN, credit cards. Liquid and locked, in any currency.
Compare scenarios, not sales pitches
Add a lump sum, a new loan, an early retirement. Kiira runs each path on the same frozen assumptions and lines them up by age, so the only difference you see is the decision itself.
Every assumption is yours
Tell Kiira your numbers
Salary, spending, savings and debts. Sensible defaults come from public sources like LHDN and KWSP, and you can change any of them.
Model the decision
Build a scenario by hand, or start from a pre-filled one and adjust it. Nothing runs until you confirm.
Compare and decide
See net worth, liquidity and debt over time for each path. Then decide for yourself.
The one thing most people don’t see.
A projection is one line. Real life is a range. We’re building risk models drawn from actuarial and insurance practice, so each decision shows its likely outcomes, its bad years, and how much reward you get for the risk you take.
A big calculator that isn’t trying to sell you anything.
Not advice
Kiira shows you neutral, comparative numbers. It never tells you what to do.
No products
No funds, no policies, no referral fees. Nothing to gain from your choice.
Your inputs
Every rate and assumption is visible and editable, and dated so you know where it came from.
Your data
Stored in Singapore. Export it or erase your account at any time.
Make your next big decision with clear eyes.
Works on the web today, with iOS and Android on the way.