Malaysia Finance Calculators — All‑in‑One
Built for quick what‑ifs. Rates/tiers are editable so you can match current rules or your firm’s policy.
Personal Financing — Amortized
Assumes reducing balance (amortized) with fixed nominal annual rate divided by frequency.
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What about early settlement?
For amortized loans, settlement ≈ outstanding principal after n payments + admin fees (if any). If your bank uses a different rebate method, adjust in the advanced box below.
Credit Card Calculator
You can supply either a fixed monthly payment to get months to clear, or a target months to get the required payment.
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Mortgage Calculator
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Vehicle Hire Purchase — Flat Rate & Early Settlement (Rule of 78)
Settlement uses Rule‑of‑78 (unearned interest rebate) + admin fee.
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Loan Eligibility & DSR
DSR = (existing + proposed instalment) / income. Max instalment = DSR_limit% × income − existing.
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Malaysia Fees & Taxes — Editable Tables
Default tiers below reflect common market references. Please confirm current rules; edit as needed. Calculations update instantly.
Stamp Duty — MOT/SPA
| Tier up to (RM) | Rate (%) |
|---|
Legal Fees — SPA / Loan Agreement (Scale)
| Bracket up to (RM) | Rate (%) |
|---|
Valuation Fees (Editable)
| Bracket up to (RM) | Rate (%) |
|---|
RPGT — Real Property Gains Tax (Editable)
| Band (year) | Citizen/PR (%) | Company (%) | Foreigner (%) |
|---|
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