Pay comes in. Where does it go?
See what's left after spending, what you owe, and roughly when you'll be debt-free, in one plan.
No sign-up, no bank link, no IC or phone number. Your numbers stay in this browser.
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Plan my finances
Five quick questions. See your net worth, what is left each month, your DSR and when you will be debt-free.
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Take-home pay and DSR
Your pay after EPF, SOCSO and PCB, and how much of it goes to loans. One minute, nothing saved.
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Read the guides
Tax, EPF, loans, zakat and Budget 2027 in plain Malay, each dated and sourced, with free calculators.
Browse the guides
Popular calculators: PCBIncome taxBudget 2027HouseCarEPFZakat
Questions
What is DSR, and what is a good DSR?
DSR (debt service ratio) is your monthly loan payments divided by your take-home pay. There is no single approval limit: each bank sets its own. A lower DSR means more room in your budget. Our Quick check works it out in a minute.
How much emergency fund should I have in Malaysia?
A common guide is 3 months of spending and loan payments if you are single, and 6 months if you have dependents, kept somewhere you can reach quickly, like savings or ASB.
I don't know my exact numbers. Can I still use it?
Yes. Rough numbers are fine, and you can skip any question. We estimate loan rates from typical Malaysian rates and mark them as estimates until you add the real figure.
Is my financial data safe?
Your numbers are stored only in your own browser. They are never sent to us or anyone else, unless you choose to back up to your own Google Drive. Clearing browser data or changing phone starts you from empty, so the app reminds you to keep a backup.
Estimates to help you understand your money, not financial advice. Tax and EPF rules are for 2026.