Free Malaysian Money Calculators

KiraDuit is a free set of money calculators built specifically for Malaysia. Where most online calculators use American or generic formulas, ours use the rules that actually apply here: the LHDN income tax brackets and reliefs for YA 2025, KWSP/EPF contribution rates, PERKESO SOCSO and EIS, flat-rate hire purchase for car loans, and the RPGT and stamp duty scales. Every tool runs instantly in your browser, needs no sign-up, and stores nothing you type.

All figures were last reviewed on 24 July 2026 and are listed with their official sources on our Sources & Methodology page, so you can verify any number yourself. The calculators give estimates for guidance - for decisions that matter, confirm with LHDN, KWSP or your bank.

What you can work out here

The tools fall into four groups. Tax and salary answers what you actually keep: income tax for YA 2025, and the monthly take-home left after EPF, SOCSO, EIS and PCB are deducted. Loans covers the borrowing most Malaysians do - car financing on the flat-rate hire purchase basis, home loans on reducing balance, and personal loans - so you can see the total interest before signing, not after. Property handles the costs around a transaction: stamp duty on the transfer and loan agreement, and RPGT when you sell. Savings projects EPF growth, fixed deposits, investment returns and how long a savings goal will take.

Two Malaysian details trip people up more than any others, and the calculators are built around both. Car and personal loans are quoted at a flat rate, which understates the true cost - roughly 1.8 times the advertised figure once you account for the balance you are paying down. And income tax is banded, so your effective rate is always well below the bracket your top ringgit sits in. If you only read two things here, make it flat vs effective interest and the income tax by salary comparison.

Nothing you enter is sent anywhere. Every calculation happens in your browser, there is no sign-up, and no figures are stored - so you can put real numbers in.