Free Financial Calculators for Every Malaysian
KiraMyMoney is a free online suite of financial calculators designed specifically for Malaysians. Whether you're shopping for your first home loan, working out how much your car's hire purchase really costs, checking how much EPF you'll have at retirement, or just trying to split a mamak bill fairly with friends — everything runs in your browser, everything is free, and nothing is stored on any server.
Popular calculators
Home Loan Calculator — reducing balance method used by every Malaysian bank. Full amortization schedule and 2-loan comparison.
Car Loan Calculator — flat rate hire purchase formula. See the true effective interest rate and how much a 9-year tenure really costs.
EPF / KWSP Calculator — project your retirement balance at age 55 based on salary, contribution rate, and expected dividends.
Salary Calculator — Malaysian take-home pay after EPF, SOCSO, EIS, and PCB deductions. Finally understand your payslip.
Split Bill Calculator — assign items per person, mark shared items, split SST and service charge proportionally, generate a WhatsApp-ready receipt.
Personal Loan Calculator — compare flat rate vs reducing balance. Don't get fooled by the headline rate.
Credit Card Payoff — see how long the minimum payment trap really lasts and how much faster fixed payments clear your debt.
Fixed Deposit Calculator — project FD maturity value and compare tenures. Tax-free interest for residents.
Privacy and trust
We don't require sign-up. We don't store your financial information. We don't sell your data. Every calculation runs entirely in your browser — your numbers never leave your device. KiraMyMoney is supported by unobtrusive ads and optional "buy me a coffee" donations, keeping the site free for everyone.
Important Disclaimer
KiraMyMoney is an independent tool built by an individual, not a licensed financial institution, bank, or advisory firm. All calculators are provided for estimation and educational purposes only and should not be treated as financial advice.
Interest rates, contribution percentages, tax brackets, and other financial rules are based on publicly available information at the time of publication, but they may change. Your actual loan approval, instalment amount, tax payable, or retirement balance can differ based on your personal circumstances, the bank or institution's internal policies, and current regulations.
Before making any financial decision — applying for a home loan, refinancing, consolidating debt, planning retirement, or anything involving real money — please verify the numbers with a licensed Malaysian financial advisor, your bank, LHDN, KWSP, or PERKESO directly. Their official calculations and terms take precedence over anything shown on this site.
Ready to start?
Pick any calculator above and get going. Every tool works on mobile, desktop, and tablet — bookmark the page you use most often. If you have feedback or spot something wrong with a calculation, let us know and we'll fix it.