Loan calculator Malaysia 2026
Seventeen free Malaysia finance tools — from salary and DSR to affordability, full repayment schedules, ownership costs and debt payoff. No sign-up, no credit check and no document upload.
How to choose the right calculator
Which financial calculator should you use first in Malaysia? Start with the calculator that answers your immediate constraint. If you are applying for financing, use DSR first to understand how much monthly debt room you have, then use the loan eligibility calculator to estimate which personal-loan lenders may fit your profile. If you are buying property, the home-loan calculator converts property price, down payment, rate and tenure into a reducing-balance instalment and minimum income estimate. For a vehicle, the car-loan calculator uses Malaysia’s flat-rate hire-purchase method, then explains the rough effective-rate equivalent. For savings, the KWSP/EPF calculator projects statutory contributions and dividends to age 55, while the investment compound calculator shows how monthly investing grows over time. These tools are estimates, not approvals or advice, but they give you a clear starting number.
DSR Calculator
Debt-service ratio, traffic-light gauge and headroom to 70% DSR.
Loan Eligibility
Filter current lender planning scenarios using source-checked public criteria.
Home Loan Calculator
Reducing-balance instalment, total interest and income needed.
Car Loan Calculator
Flat-rate hire purchase monthly, total interest and effective-rate note.
Personal Loan Instalment & EIR
Monthly instalment, converted EIR and total repayment for a personal loan quote.
Debt Consolidation
Compare current debt payments with one consolidation loan, without assuming savings.
Business Loan Repayment
Instalment, EIR, total interest and total repayment at a flat or reducing rate.
STARKWSP/EPF Compound
Animated year-by-year projection to age 55 with KWSP dividend data.
STARInvestment Compound
Future value, total contributed, growth split and live chart.
CALC LABMaximum Affordable Loan
Turn income, commitments and a planning DSR into a maximum principal.
CALC LABNet Salary Estimate
Estimate take-home pay after EPF, SOCSO, EIS, PCB and other deductions.
CALC LABFlat vs Reducing Rate
Compare monthly and total repayment on the same amount and tenure.
CALC LABRepayment Schedule
See principal, interest and balance for every monthly payment.
CALC LABHome Upfront Costs
Budget deposit, stamp duty, legal, valuation and other cash costs.
CALC LABTrue Car Ownership
Add fuel, insurance, maintenance, road tax, parking and tolls.
CALC LABRefinance Check
Compare monthly savings, lifetime cost and fee break-even.
CALC LABCredit-Card Payoff
See how minimum and extra payments change payoff time and interest.
Comparing lenders rather than running numbers? The personal loan comparison lists 27 rows in bank A to Z order, each with its official source and check date.
For a property purchase or refinance, the home loan comparison lists 17 products in bank A to Z order, each with its official source and check date. For a business, the SME financing comparison lists 19 products from banks and development financial institutions, also with each row's source and check date.
Q.Are Kira Dulu calculators free?
Yes. The calculators are free and do not require a credit check.
Q.Are calculator results approvals?
No. Results are indicative estimates for planning only.
Q.How many tools are live?
Seventeen tools are live, including eight private-by-design Calculator Lab tools.
Before applying for more credit, check published income requirements in the Malaysian credit-card comparison and read the issuer terms.