TOTAL INVESTMEN= RM500K
DDI = rm200/month

Total number of month = rm500k/rm200
                                  = 2500 monthly
                                  = 208 year 3 month.
Another is Saving calculator

http://www.miniwebtool.com/savings-calcula...ed=12&years=100

Savings Calculator
Initial principal:  200
Monthly deposit:  200
Annual interest rate: 5 %
Interest compounded:  Annually 
Number of years:  100


Your Savings
Final Savings Balance: 6290360.63
Initial Investment plus Monthly Contributions: 24200
Total Interest Earned: 6266160.63
Year Balance
1 2610.00
2 5140.50
3 7797.52
4 10587.40
5 13516.77
6 16592.61
7 19822.24
8 23213.35
9 26774.02
10 30512.72
11 34438.36
12 38560.27
13 42888.29
14 47432.70
15 52204.34
16 57214.56
17 62475.28
18 67999.05
19 73799.00
20 79888.95
21 86283.40
22 92997.57
23 100047.45
24 107449.82
25 115222.31
26 123383.42
27 131952.59
28 140950.22
29 150397.74
30 160317.62
31 170733.50
32 181670.18
33 193153.69
34 205211.37
35 217871.94
36 231165.54
37 245123.81
38 259780.01
39 275169.01
40 291327.46
41 308293.83
42 326108.52
43 344813.95
44 364454.64
45 385077.38
46 406731.24
47 429467.81
48 453341.20
49 478408.26
50 504728.67
51 532365.10
52 561383.36
53 591852.53
54 623845.15
55 657437.41
56 692709.28
57 729744.74
58 768631.98
59 809463.58
60 852336.76
61 897353.60
62 944621.28
63 994252.34
64 1046364.96
65 1101083.21
66 1158537.37
67 1218864.24
68 1282207.45
69 1348717.82
70 1418553.71
71 1491881.40
72 1568875.47
73 1649719.24
74 1734605.20
75 1823735.46
76 1917322.23
77 2015588.35
78 2118767.76
79 2227106.15
80 2340861.46
81 2460304.53
82 2585719.76
83 2717405.75
84 2855676.03
85 3000859.84
86 3153302.83
87 3313367.97
88 3481436.37
89 3657908.19
90 3843203.60
91 4037763.78
92 4242051.96
93 4456554.56
94 4681782.29
95 4918271.40
96 5166584.97
97 5427314.22
98 5701079.93
99 5988533.93
100 6290360.63