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Malaysian money tools, finally in one place

Make the next money move with clarity.

From your first payslip to your next home, KiraSmart turns Malaysian rates and rules into decisions you can actually understand.

Search is free. Ask Cik Kira to calculate here; if a required input is missing, it asks one short follow-up.

Explore calculatorsSee how we calculate
32
live calculators
English + BM
Malaysia-first
Free
no sign-up to calculate

Your KiraSmart desk

What are you working out today?

Start with a real decision—not a wall of tools.

Plan around my monthly budgetIncome, commitments and room left01See what home I can affordDSR, loan and cash needed02See the real property priceNewCompare SPA, rebates, cashback and cash needed03
Independent estimates. Clear assumptions. No bank affiliation.

New · Property

Got a developer package sheet? See the real price.

Enter SPA price, rebates, cashback, fee support and loan options. See confirmed price, effective value and upfront cash clearly.

Compare packageSee worked example
List priceRM768,000
Effective priceRM661,560
Loan estimateRM2,917/mo

Worked example based on a 90% loan at 3.65% for 35 years.

Start with the decision

What do you need to work out?

Six common money decisions, each paired with the calculator that gives you a useful starting number. Search above if yours is different.

View all calculators
01

I am planning a home

Property & Home

Home Loan Affordability Calculator Malaysia

Find out how much home loan you can get in Malaysia. Calculate your DSR, max mortgage, and max property price using BNM guidelines.

Start this calculation
02

I need a monthly plan

Savings & Investment

Budget Calculator Malaysia

Plan a monthly budget with the 50/30/20 rule and check your savings rate against your income.

Start this calculation
03

I am choosing a car

Car & Transport

Monthly Car Ownership Calculator Malaysia

Estimate your total monthly car ownership cost including loan, fuel, insurance and maintenance.

Start this calculation
04

I need to check my debt load

Loans & Debt

DSR Calculator Malaysia

Check your Debt Service Ratio (DSR) and pre-qualify for a loan across all monthly commitments.

Start this calculation
05

I am sorting out tax

Salary & Tax

Detailed LHDN Income Tax Optimiser

Calculate your annual Malaysia income tax with 2026 relief checklists and get tailored optimization tips.

Start this calculation
06

I am planning for later

Savings & Investment

EPF Retirement Savings Projection

Project your EPF at retirement and compare the age-60 balance with KWSP's 2026 adequacy targets.

Start this calculation

Built to be checked

Useful numbers need visible assumptions.

KiraSmart separates official rates, user inputs and estimates so you can see what changed—and verify it.

Read our methodology

Versioned Malaysian rates

Rates live outside the interface and carry review dates.

Calculation methodology

Formula choices and limitations are documented in plain language.

Independent by design

No government, bank or product-provider affiliation.

Meet Cik Kira

A calm second pair of eyes for your numbers.

Bring a calculator result into the conversation. Cik Kira can explain the trade-offs, flag what to verify and help you prepare better questions.

  • Uses the numbers already on screen
  • Explains in English or Bahasa Malaysia
  • Educational guidance—not a sales pitch
Ask Cik Kira
Try asking
“Can I comfortably afford this?”
“What should I verify with the bank?”
“Explain this result for my client.”
Educational answers with clear limitations.

One decision. One clear place to start.

Choose a calculator now, or explore guides and workflows for more complex decisions.

Find my calculatorGuides & workflows