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

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.

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

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

Harimau Kira Dulu, the Kira Dulu tiger mascot
100% freeNo signup, no hidden fees.
Malaysia-focusedRates and rules kept current.
Privacy firstWe don’t sell your data.
Just estimatesApply with the bank yourself.
Free tools

Run your numbers first

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

%

DSR Calculator

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

Loan Eligibility

Bank-specific data is being revalidated before public launch.
HL

Home Loan

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

Car Loan

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

 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.