Kira Dulu

Estimate first, apply later.

Free Malaysian finance tools

Malaysia Finance Calculator

Check your DSR, loan repayments and long-term savings with clear assumptions you can change yourself.

Free to useNo credit checkNo login
Start the free loan pre-check3 steps, about a minute. A planning estimate, not an approval.

Which calculator should you use first? Start with DSR to see how much of your gross income already goes to monthly commitments. Then use the home-loan or car-loan calculator with the rate quoted to you, or project long-term savings with the KWSP/EPF and compound calculators. Every output is a planning estimate, not approval or advice.

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kiradulu.com.my/kalkulator
Live DSR checkUpdated as you type
Planning DSR
0%
RM0 commitments · RM0 room to 40%
Open all 17 tools

Gross-income planning ratio only · not a bank decision.

Bank Base Rates, checked on each bank's own page See bank rates →

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100% freeNo signup, no hidden fees.
Malaysia-focusedSources and update dates shown clearly.
Privacy firstWe don’t sell your data.
Just estimatesApply with the bank yourself.
Free tools

Run your numbers first

Seventeen free tools built around Malaysian salary, loan, hire-purchase and KWSP rules — open any one and run your own numbers.

8 TOOLS
LAB

Calculator Lab

Model salary, affordability, repayment schedules, ownership costs, refinancing and card payoff privately.
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DSR Calculator

Check your debt-service ratio and monthly headroom before applying.
✓

Loan Eligibility

Run Kira Dulu's lender planning scenarios while official bank rates are refreshed.
HL

Home Loan

Reducing-balance instalment, total interest and income needed.
HP

Car Loan

Malaysian flat-rate hire purchase monthly and effective-rate guide.
EIR

Personal Loan Instalment

Monthly instalment, converted EIR and total repayment for a personal loan quote.
DEBT

Debt Consolidation

Compare current debt payments with one consolidation loan, without assuming savings.
BIZ

Business Loan

Instalment, EIR, total interest and total repayment at a flat or reducing rate.

 NEW
EPF

KWSP/EPF Compound

Project your balance to age 55 using KWSP dividend and contribution data.

 NEW
FV

Investment Compound

See future value, contributions and growth split over time.
Good to know

Questions, answered

Q.Will this affect my credit score?

No. These calculators run in your browser and do not pull CCRIS or CTOS.

Q.Is this a guarantee?

No. It is an indicative planning estimate. A bank still makes the final decision.

Q.Which rate should I enter?

Use the current rate shown on the bank's official product page or quotation.