Verified against BNM · SC · KPKT Updated July 2026

Financial Calculators

Empower your financial decisions with our suite of free, highly accurate calculators tailored specifically for the Malaysian market.

Tier 1: Essential Calculators

The most critical tools to determine your borrowing capacity and housing costs.

DSR Calculator (Debt Service Ratio)

Find out if the bank will approve your loan. Calculate your DSR precisely the way Malaysian banks do, factoring in net income and commitments.

Calculate DSR

Stamp Duty Calculator

Buying a house? Calculate the exact SPA and Loan Agreement stamp duty fees. Includes exemptions for i-Miliki first-time homebuyers.

Calculate Stamp Duty

EPF (KWSP) Calculator

Project your retirement savings. See how your monthly contributions and compound dividends will grow your Account 1 and 2 over time.

Calculate EPF

Tier 2: Advanced Planning

Detailed repayment modeling for specific financing types.

Basic Loan Calculator

Calculate your monthly installments and total interest payable for standard flat-rate personal and business loans.

Basic Loan Calculator

Car Loan Calculator

Model your hire purchase installments based on the Rule of 78, and see early settlement rebates.

Calculate Car Loan

Credit Card Payoff

See the devastating effect of only paying the 5% minimum balance on your compounding interest.

Payoff Calculator

Fixed Deposit Returns

Calculate your guaranteed returns on compounding Fixed Deposit interest rates from major banks.

Calculate Returns

Tier 3: Analytics & Comparison

Advanced calculators to find the true cost of your financing.

Flat Rate vs EIR Converter

Don't be fooled by low flat rates. Instantly convert a flat interest rate into its true Effective Interest Rate (EIR).

Convert Rate

Loan Comparison Tool

Compare two loan offers side-by-side to see which one saves you the most money over the long term.

Compare Loans