AI Finance Hub

See the trade-offs
before you commit.

Keep income, commitments, affordability and rate stress in one view. Figures below are planning estimates from the existing Kira Dulu engine, not a bank approval.

Local calculationNo login · no model call

Planning inputs

Change the assumptions and every visible planning figure follows the same deterministic engine.

Private in-browser

Monthly incomeGross planning income · RM1,500–RM1m Existing commitmentsMonthly debt commitments Target propertyPurchase price assumption · RM50k–RM20m Down paymentPercent paid upfront TenureYears for the loan plan

Quick values

Income

Property

Type directly, clear and replace without the field fighting you. Values commit on blur and persist in the URL. This is not a lender eligibility result and does not submit an application.

Monthly incomeRM8,000planning input

CommitmentsRM2,10026.3% current DSR

Room to 70%RM3,500planning reference

Target propertyRM500k20% down assumption

Income Allocation

Where RM8,000 is already spoken for before a new commitment.

Rail view

CommitmentsRM2,100Living planRM2,560Planning bufferRM840RemainingRM2,500

Committed today 26.3%Room after plan RM2,500

Planning assumptionsLiving plan is 32% and planning buffer is 10.5% of monthly income. These are illustrative placeholders, not your recorded budget.

Affordability Spectrum

Indicative bands, not a lender quote.

RM500k target

RM500k

RM300kRM400kRM500kRM600kRM700k

ComfortableTightStretched

Planning range RM400k–RM520kTarget Tight

Scenario Comparison

Same income and commitments. Property uses the visible down payment, tenure and rate.

3 planning cases

RM400k now

RM320k loan · 4.20%

Comfortable

Payment: RM1,456
DSR after plan: 44.4%
Difference: Base case

RM500k later

RM400k loan · 4.20%

Tight

Payment: RM1,819
DSR after plan: 49.0%
Difference: +RM364 / month

RM500k · rate +1%

RM400k loan · 5.20%

Tight

Payment: RM2,070
DSR after plan: 52.1%
Rate impact: +RM251 / month

Rate Stress Test

Exact and continuous. Type 4.13%, 4.82% or 5.37%.

Deterministic engine

1.00%13.00%25.00%

Exact rate%

Estimated paymentRM1,819DSR after plan49.0%RM400k loan · 35 years

Ask Kira

Contextual explanation

Local demo

TargetRM500kPaymentRM1,819DSR49.0%

Kira's takeThe target planning case is inside the tight band. Change an input or exact rate to see the deterministic payment and DSR move together.