Estimate first, apply later.
Everything we offer · 100% freeFree finance tools for Malaysia
Kira Dulu is a free set of calculators, sourced rate comparisons and plain-English guides — built to help you run the numbers before you apply. No signup, no fees, and we never sell your data.
Run your numbers
Six free tools built around Malaysian loan, hire-purchase and KWSP rules.
Loan eligibility
Estimate eligible personal loan amounts across 15 Malaysian lenders.
DSR calculator
Check your debt-service ratio and monthly headroom before applying.
Home loan
Reducing-balance instalment, total interest and income needed.
Car loan
Malaysian flat-rate hire purchase monthly and effective-rate guide.
KWSP/EPF compound
Project your balance to age 55 using KWSP dividend and contribution data.
Investment compound
See future value, contributions and growth split over time.
Compare sourced rates
Side-by-side tables from public bank pages — filter by issuer, tenure and income.
Personal loans
27 sourced products ranked by advertised rate.
Home loans
Housing loan and home financing options.
Car loans
Hire-purchase rates by issuer and tenure.
Credit cards
Compare cards by fees, rate and features.
SME financing
Business financing options and eligibility notes for Malaysian SMEs.
Understand before you borrow
Plain-English explainers on the things banks actually check.
DSR explained
The number behind most loan rejections, and how to lower it.
CCRIS vs CTOS
What banks see when they pull your file — and the blacklist myth.
Loan rejected?
Seven real reasons banks say no, and how to fix each.
AKPK debt help
Bank Negara's free debt-counselling agency and the DMP.
Flat vs reducing rate
Why the same "3%" can cost double — and the 2027 BNM change.
All guides
Browse every plain-English money guide.
Ready for your own number?
Run your income and commitments through the eligibility calculator for a personalised estimate across 15 lenders. It takes about a minute and doesn’t touch your CCRIS or CTOS.