Free Malaysian Money Calculators

Income tax, take-home pay, car and home loans, EPF, stamp duty and more - accurate for Malaysia, instant, and free. No sign-up needed.

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 5 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.

Income Tax & Salary

Work out your Malaysian income tax and monthly take-home pay.

Income Tax Calculator
Estimate your Malaysian personal income tax for the year. Enter your annual income and total reliefs to see your chargeable income, tax payable and effective tax rate.
Take-Home Pay Calculator
See your estimated monthly net salary in Malaysia after EPF, SOCSO, EIS and PCB tax deductions.

Loans & Financing

Monthly instalments for car, home and personal loans.

Car Loan Calculator
Calculate the monthly instalment for a Malaysian car loan using the flat-rate hire purchase method.
Housing Loan Calculator
Estimate the monthly repayment on a Malaysian home loan, plus the total interest paid over the full tenure.
Personal Loan Calculator
Work out the monthly repayment and total cost of a Malaysian personal loan.

Property

Stamp duty and RPGT when you buy or sell property.

Stamp Duty Calculator
Calculate the stamp duty on a Malaysian property purchase - both the transfer (MOT) and the loan agreement.
RPGT Calculator
Estimate the Real Property Gains Tax (RPGT) you would pay when selling a property in Malaysia.

Savings & Retirement

Grow your EPF, fixed deposits and investments.

EPF Calculator
Project how much your EPF (KWSP) savings could grow to by retirement, based on your salary and contributions.
Fixed Deposit Calculator
Calculate the interest and maturity value of a Malaysian fixed deposit (FD).
Investment Calculator
See how regular monthly investing and compound growth can build wealth over time.
Savings Goal Calculator
Find out how much you need to save each month to reach a financial goal by a set date.

Money Guides

Short, plain-language guides to managing money in Malaysia.

How to File Your Income Tax in Malaysia
Who needs to file, how LHDN e-Filing works, and the deadlines you should not miss.
EPF (KWSP) Explained
Contribution rates, the yearly dividend, the three accounts, and when you can withdraw.
Flat Rate vs Effective Interest Rate
Why a 3% flat-rate loan really costs closer to 5.4%, and how to compare loans properly.
Malaysian Income Tax Reliefs for YA 2025
Every personal tax relief you can claim for YA 2025, what it is worth, and how to use it.
The Real Cost of Buying Your First Home in Malaysia
Beyond the deposit: stamp duty, legal fees and the upfront cash a first home really needs.
Understanding Your Malaysian Payslip
What EPF, SOCSO, EIS and PCB actually are, where the money goes, and a worked RM4,000 example.
RPGT: The Tax You Pay When Selling Property in Malaysia
The rates by holding period, exemptions that can zero the bill, and the 60-day filing rule.