Runway
10.5 mo
With baby fund · ends Dec 2026
Remaining Salary
RM126k
3 full + May prorated
Monthly Burn
RM9.3k
RM2,330/week
Baby Fund
RM27.5k
Birth + CL + Essentials
Milestones
+RM126k
incoming salary
88 days left
~RM65k
net savings
After baby fund
👶
baby arrives
~105 days
10.5 mo
runway
With baby fund
Timeline
Salary period
Post-salary

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Runway Calculation
Salary Period (Feb → May 15)
Remaining salary 3.5 months +RM126k
Less: expenses 3.5 × RM9.3k -RM33k
Less: Baby Fund Birth + CL + Essentials -RM25k
Net savings from salary +RM68k
Post-Salary Runway
Savings available RM68k
Monthly burn RM9.3k
Post-salary runway RM68k ÷ RM9.3k ~7 months
Total Runway 3.5 + 7 ~10.5 months
Runway ends ~Dec 2026

Emergency reserves available if needed (not counted in runway)

👶 Baby Fund

RM25k

Birth + CL + Essentials (Jun 2026)

Break-even

RM9.3k

Any income above this = indefinite runway

Quick Cuts

RM700

Grab + Shopping — extends runway 2+ months

Goal

Dec 26

Find sustainable income before runway ends

Monthly Spending
Fixed Costs Breakdown
Total Baby Fund
RM27,500
Birth + CL + Essentials
Due Date
Jun 2026
Early June
Hospital
ANDORRA
Seri Kembangan
CL Duration
44 days
Daily visit (~7hrs)
Birth — ANDORRA Hospital
Item Details Amount
Delivery Package Single room, normal delivery RM4,599
Epidural Pain management RM1,500
Baby Package Screening + immunizations RM999
Additional/Buffer Unexpected charges RM2,902
Subtotal: Birth RM10,000
Confinement Lady — 44 Days Daily Visit
Item Details Amount
CL Service Fee 44 days × ~7hrs/day RM6,500
Food & Herbs Confinement meals, ingredients RM2,000
Buffer Tips, extras RM500
Subtotal: Confinement Lady RM9,000
Baby Essentials — Comfortable Budget
Category Items Amount
Transport Stroller + car seat + carrier RM1,800
Sleep Crib + bedding + monitor + swaddles RM1,200
Feeding Pump + bottles + sterilizer + nursing pillow RM1,500
Clothing 15-20 pieces + accessories RM800
Diapering Diapers + wipes + changing mat + diaper bag RM1,000
Bath & Care Tub + toiletries + health kit RM600
Extras Bouncer + playmat + misc RM600
Subtotal: Baby Essentials RM7,500
Summary
Birth (ANDORRA) RM10,000
Confinement Lady (44 days) RM9,000
Baby Essentials RM7,500
Buffer RM1,000
Total Baby Fund RM27,500

📍 Hospital: ANDORRA Women & Children Hospital, Seri Kembangan
📞 Contact: 03-8966 1133
🏠 CL Area: Cyberjaya (daily visit, no stay-in)

Total Fixed
RM5,620
per month
Total Variable
RM3,700
avg per month
Fixed Monthly Costs
Category Description Amount
Housing Rent (Serin Residency) RM2,000
Utilities TNB + Internet + Coway RM417
Family (Yours) Father + Mother + Sister RM650
Car Loans Honda Jazz + Maria's car RM1,050
In-Laws Mother-in-law + Sister-in-law RM400
Subscriptions Netflix, Apple, Mobile RM276
Insurance PruBSN RM234
Total Fixed RM5,027
Variable Costs (Average)
Category Avg/Month Notes
Grab RM900 High
Medical/Pharmacy RM700 Pregnancy
Dining RM500
Shopping RM500 Variable
Groceries RM400
Other RM300
Total Variable RM3,300
Active Subscriptions
RM276
per month
Cancelled
RM625
monthly savings
Annual Savings
RM7,500
from optimizations
All Subscriptions
Service Monthly Annual Status
Claude.ai RM415 RM4,980 → Business
Disney+ RM210 RM2,520 Cancelled
Netflix RM76 RM912 Active
iCloud (You) RM12 RM144 Active
iCloud (Maria) RM45 RM540 Active
U Mobile RM58 RM696 Active
RedOne RM80 RM960 Active
Prudential RM5 RM60 Active
Total Active RM276 RM3,312
Subscription Breakdown
Transactions 267
Total Spend RM45,243
Total Income RM20,372
Date Description Category Amount