KiraMyMoney is a free online financial calculator suite built for Malaysians. It includes calculators for home loans, car financing, personal loans, credit card payoff, fixed deposits, EPF/KWSP retirement planning, salary deductions, BMI assessment, and bill splitting — all with visual charts and instant results.

Yes, 100% free. No sign-up, no subscription, no hidden charges. All calculators are available without any registration.

All calculations run entirely in your browser. We do not collect, store, or send any of your financial data to any server. Your numbers stay on your device and are never shared with anyone.

No. All features work instantly without any account or login. Just open the calculator you need and start using it.

Add each person and their individual orders (food, drinks, snacks). The calculator adds SST tax and service charge to the subtotal, then splits these proportionally based on each person's share. Someone who ordered RM50 worth of food pays more tax/service than someone who ordered RM20 — making it truly fair.

Shared items are things like a pizza, jug of drinks, or appetizer plate that multiple people share. You add the item with its price, then select which people are splitting it. The cost is divided equally among selected people and added to their individual totals.

The "Pay To" field shows who paid the bill at the restaurant. When you fill this in, the receipt displays a prominent section showing who everyone should transfer money to (e.g. "Ali — Maybank 1122 3344"). This makes it easy to screenshot the receipt and share to your group chat.

These calculators are for estimation and planning purposes only. For actual financial decisions, always consult with your bank, employer HR department, or a licensed financial advisor. The results give you a solid understanding of what to expect, but official figures from your bank or LHDN should be used for final decisions.