All Calculators

Everything You Need to Calculate

From your first home to retirement planning — all in Malaysian Ringgit.

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Home Loans

Mortgage, Islamic financing (Murabahah), interest saving calculator. Compare 6 Malaysian banks.

  • ✓ Conventional mortgage
  • ✓ Islamic Murabahah
  • ✓ Amortization table
  • ✓ Stamp duty estimate
Calculate Loan →
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Hire Purchase

Car loan calculator with flat-to-effective rate conversion. DSR check for personal loans.

  • ✓ Effective rate conversion
  • ✓ Total cost breakdown
  • ✓ Personal loan + DSR
  • ✓ Business loan (SME/BNM)
Calculate Loan →
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Investing

EPF, ASB, Gold, KLCI and REITs projection. Compound interest and DCA calculator with charts.

  • ✓ DCA calculator
  • ✓ Compound interest
  • ✓ EPF vs ASB vs Gold
  • ✓ Interactive charts
Calculate Returns →
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Insurance

How much life insurance do you really need? Calculate coverage and compare AIA, Prudential, Takaful.

Calculate Coverage →
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Trust & Estate

Islamic Faraid distribution vs Civil Law inheritance. Wasiat and Hibah education guide.

Plan Estate →
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Guides & Rates

BNM OPR, bank base rates, EPF dividend history. First home buyer guide, financial glossary.

Read Guides →
Live Rates

BNM Key Rates — 2026

Updated monthly. Last updated: April 2026.

3.00%
BNM OPR
Unchanged since May 2023
6.85%
Base Rate (BR)
Avg. commercial banks
5.50%
EPF Dividend 2025
Conventional account
5.80%
ASB Dividend 2025
Amanah Saham Bumiputera
View full Rate Watch table →
FAQ

Common Financial Questions

Straight answers for Malaysians — no jargon.

Mortgage rates in Malaysia range from 4.30% to 4.50% p.a. (above base rate). Public Bank offers the lowest at 4.30%, followed by Maybank and Hong Leong at 4.35%. Islamic home financing (Murabahah) starts from 4.25% at Bank Islam. These are BLR-linked floating rates that can change when BNM adjusts the OPR.
DSR = (Total Monthly Debt Commitments ÷ Gross Monthly Income) × 100

Most Malaysian banks approve loans where DSR is below 60–70%. Example: Monthly income RM5,000, car loan RM600, credit card RM200 = DSR 16%. If adding a new loan of RM1,200, total = RM2,000 = DSR 40% — still within limits. Use our Personal Loan calculator to check your DSR instantly.
Flat rate is calculated on the original loan amount every year. Effective rate is the true annual cost, accounting for reducing balance. In Malaysia, car loans are advertised at flat rates. A 2.5% flat rate ≈ 4.6% effective rate. Rule of thumb: multiply flat rate by ~1.85 to get the effective rate.
Murabahah is a Shariah-compliant financing structure where the bank purchases the property and sells it to you at cost plus a disclosed profit margin — not interest. The total selling price is fixed at the start (no compounding). Available at Bank Islam, Maybank Islamic, CIMB Islamic, BSN, and AmIslamic, with profit rates from 4.25%–4.45% p.a.
All three have different roles: EPF (5.50% dividend, 2025) — mandatory, tax-advantaged retirement fund. ASB (5.80%, Bumiputera only) — excellent guaranteed returns, capital guaranteed. Fixed Deposit — 3.0%–3.8%, most liquid, lowest risk. For long-term wealth, EPF + ASB > FD. Use our Asset Projection calculator to compare.
Guides

Learn Before You Borrow

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Popular

First Home Buyer Checklist Malaysia 2026

Step-by-step guide: SPA, loan eligibility, stamp duty exemption, RUMAWIP, PR1MA.

Read guide →
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Beginner

EPF vs ASB vs Fixed Deposit: Which is Best?

A data-driven comparison of Malaysia's top savings vehicles over 10 and 20 years.

Read guide →
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Islamic

Conventional vs Islamic Loan: Which Should You Choose?

Understanding Murabahah, profit rate vs interest, and real cost differences.

Read guide →