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Smart Financial Tools

Plan Smarter.
Calculate Better.

Free calculators for home loans, car financing, EPF, credit cards, fixed deposits, BMI, and more — with visual charts and instant results.

Monthly Payment
RM 0
30-year mortgage · 4.5% p.a.
EPF at Retirement
RM 0
Age 60 · 5.5% dividend
Auto Financing
RM 0
9 years · 3% flat rate
🔥 Popular Tool

Split Bills with Friends

Ate out with friends? Add each person's food, drinks, and snacks — tax and service charge split fairly. Get a clean receipt you can screenshot and share to your group chat.

Try Split Bills →
🧾 Bill Split
Nasi Kandar Pelita
AliRM 45.30
SarahRM 32.15
WeiRM 58.50
TotalRM 135.95
💸 Pay To: Ali — Maybank 1122
💡
Tip of the Day

💡 Smart Money Tips

1
Compare loan types. Flat rate 3% ≠ reducing balance 3%. A 3% flat rate is roughly equivalent to a 5.6% effective rate.
2
Max out your EPF. Voluntary contributions above 11% are tax-deductible up to RM4,000/year under life insurance & EPF relief.
3
Pay more than minimum. Paying only 5% minimum on credit cards can take 10+ years to clear and triple your debt in interest.
4
Asian BMI thresholds differ. Overweight starts at BMI 23 (not 25) for Asian populations — make sure you're using the right standard.

🚀 How It Works

1
Pick a calculator. Choose from home loans, auto financing, EPF, credit cards, fixed deposits, BMI, and more.
2
Enter your numbers. Fill in the fields with your own values — all defaults are pre-filled so you can start instantly.
3
Get visual results. See your breakdown with interactive charts, tables, and clear monthly figures.
4
100% free, no sign-up. All calculations run in your browser — nothing is stored or shared.

Quick Calc Standard

Everyday calculator with keyboard support

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Home Loan Calculator Reducing Balance

Calculate your monthly mortgage repayment with full amortization schedule

Auto Financing Calculator Hire Purchase

Malaysian flat-rate hire purchase — the standard for vehicle financing

Malaysian hire purchase uses flat rate

Personal Financing Flexible

Analyse personal loan repayments with flat or reducing balance options

Credit Card Payoff Debt Strategy

See the true cost of credit card debt and optimise your payoff plan

Typical Malaysian credit card: 15–18%
BNM minimum: 5% or RM50

Fixed Deposit Planner Savings

Project your FD returns with compounding frequency options

Optional recurring deposits

BMI Assessment Asian WHO

Body Mass Index classification using WHO Asian population thresholds

EPF / KWSP Planner Retirement

Project your retirement savings with KWSP contribution rates and dividends

Standard: 11% (above 60: 5.5%)
12% for salary ≤RM5,000 · 13% for >RM5,000
Historical average: ~5–6%

Salary Calculator Take-Home Pay 2026

Net salary after EPF, SOCSO, EIS, and PCB (LHDN 2026 progressive tax bands)

Standard: 11% (below age 60)
e.g. insurance, parking, etc.

Split Bills Group Dining

Add each person's food, drinks, and snacks — then split tax and service charge fairly

People & Orders

Shared Items

Items shared by multiple people — cost will be split equally among selected people

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