Last updated: March 2026
By accessing and using KiraMyMoney (kiramymoney.com), you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, please do not use our website.
KiraMyMoney provides free online financial calculators and tools designed for informational and educational purposes only. Our calculators cover home loans, car financing, personal loans, credit card payoff strategies, fixed deposits, EPF/KWSP retirement planning, salary deductions, BMI assessment, and bill splitting.
The calculations, results, projections, and information provided on this website are for estimation and general planning purposes only. They do not constitute financial advice, tax advice, investment advice, or any other form of professional advice.
While we strive for accuracy using standard formulas and official contribution tables (including SOCSO Act 4, EIS Act 800, and LHDN progressive tax bands), actual amounts may differ due to rounding methods, official table variations, employer-specific calculations, and changes in government policies or rates.
You should always consult with a licensed financial advisor, your bank, your employer's HR department, or the relevant government agency (LHDN, KWSP, PERKESO) before making any financial decisions based on information from this website.
We make reasonable efforts to ensure the accuracy of our calculators and the information on this website. However, we do not warrant or guarantee that the information is complete, accurate, current, or error-free. Tax rates, contribution tables, and financial regulations may change without notice, and there may be a delay before our calculators reflect such changes.
All content on this website — including text, graphics, logos, design, code, and calculator logic — is the property of KiraMyMoney and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without prior written permission.
Our website uses third-party services including Google AdSense (advertising), EmailJS (contact form), Google Fonts (typography), and Chart.js (charts). These services have their own terms of use and privacy policies. We are not responsible for the practices of these third-party services.
We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting on this page. Your continued use of the website after any modifications constitutes your acceptance of the updated terms.
KiraMyMoney is a free-use website created and maintained by an individual. It is not operated by any company, organisation, or registered business entity. This website is provided as a personal project for public benefit.
For any questions regarding these terms, please contact us.