$
₿
💎
💰
📈
💵
₿
🪙
💳
$
💎
📊
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💰
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Saved!
+RM 500 saved
Debt-free in 3 years
EPF RM 1M by 55
Net worth +12%
🇲🇾 Made for Malaysians

Your Malaysian Finance Toolkit

Free calculators, investment guides & net worth tracking — all in one place

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Investment guides from RM50

🪙
Rahsia Simpan Emas
emas.tips
₿
Rahsia Bitcoin
DCA dari RM50
📈
StashAway
Robo-Advisor 8-18%
View All Articles →

Calculators

🏦 Loan Comparison Compare up to 3 loans → 🏠 Property Affordability Stamp duty, DSR & max price → 📋 Tax Optimizer Tax reliefs for e-Filing 2026 → 🏖️ Retirement Calculator EPF projection & gap analysis → 🔥 FIRE Calculator Financial independence target → 🛡️ Insurance Check Coverage gap analysis →

Track Your Finances

🧮
EPF & PCB Calculator
Auto EPF & PCB tax calculations
💳
Debt Payoff Strategies
Snowball vs Avalanche comparison
📊
Asset Tracker
EPF, ASB, unit trusts, property
📈
30-Year Projections
Net worth growth to retirement

Quick-Start Templates

🎓
First Job Starter
Fresh graduate with PTPTN
Salary RM 3K
Age 24
💳
Credit Card Debt
Multiple credit cards + personal loan
Cards 4
Debt RM 55K
📈
Wealth Builder
Focus on growing investments
Salary RM 8K
Assets RM 134K
🏠
Home Buyer
First-time homeowner
Mortgage RM 350K
Age 32
👨‍👩‍👧‍👦
Family Planner
Growing family with kids
Kids 2
Age 38
🎯
Pre-Retirement
Nearing retirement
EPF RM 450K
Age 52

How It Works

1
Set Your Income
RM 5,000
2
Add Your Debts
PTPTN RM 30K
3
Track Your Assets
EPF + ASB
4
Watch It Grow
30-Year View

Ready to Take Control?

Start tracking your net worth in under 2 minutes

🔒 Your data stays in your browser. Nothing is sent to any server.

Step 1 of 4

Income & Budget

Let's start by understanding your monthly cash flow

💰 Your Monthly Income

Enter your take-home salary before deductions

? Your total monthly salary before EPF, tax, SOCSO and other statutory deductions are taken out. Also known as "Basic Salary".

👤 Your Details

Used for retirement planning and tax calculation

? Affects your tax relief. "Spouse not working" gives you extra tax relief.
? EPF (KWSP) is your retirement savings. 11% is standard. Some may opt for 9% or 0%.
? Children under 18 or in full-time education. Each dependent gives RM2,000 tax relief.

🛒 Monthly Expenses

Your regular living costs

? Food, utilities, transport, phone bills, groceries, and other daily expenses.
Gross Income RM 0
EPF Employee -RM 0
PCB / Tax -RM 0
EIS -RM 0
SOCSO -RM 0
Disposable Income RM 0
Living Expenses -RM 0
Monthly Surplus (Free Cash) RM 0
Min. Debt Payments -RM 0
Asset Contributions -RM 0
Remaining RM 0
Employer EPF (bonus) RM 0
How deductions are calculated: EPF, SOCSO, EIS & PCB are auto-calculated based on Malaysian statutory rates. Aim for at least 20% of income available for savings.
Based on Budget 2026 rules (Last updated: Jan 2026)
Step 2 of 4

Your Debts

List all your loans and credit cards

💳 Current Debts

💳

No debts added yet. Add your first debt below!

Total Debt: RM 0

➕ Add New Debt

? Credit Card: Revolving credit, 15-18% p.a.
Personal Loan: Bank personal financing, 6-12% p.a.
Car/HP: Vehicle hire purchase, flat rate 2-4%
Home Loan: Property mortgage, 3-5% p.a.
PTPTN: Student loan, 1% p.a.
ASB Financing: Unit trust loan, 3-5% p.a.
? The yearly interest rate. For credit cards, this is usually 15-18%. For home loans, 3-5%.
? The minimum amount you must pay each month. For credit cards, usually 5% of balance or RM50.
🏦 Bank Negara Malaysia (BNM) Rates Guide:
Simple Rate: Credit Cards 15-18% | Personal Loans 8-12%
SBR-Based: Current SBR ~3.00% (2026) | Housing Spread +0.5-1.5% | Car Spread +1.0-2.5%
Ceiling Rate: Maximum 15% p.a. (BNM regulation)
Step 3 of 4

Your Assets

Track your savings, investments, and property

📈 Current Assets

💰

No assets added yet. Add your first asset below!

➕ Add New Asset

? Give your asset a recognizable name, e.g. "ASB Account", "Maybank Savings", "Honda City"
? Choose the category that best describes this asset. This affects how we project its future value.
? How much is this asset worth today? Check your latest statement or market value.
? Expected annual growth rate. Typical rates: Savings 2-3%, EPF 5-6%, ASB 5-7%, Stocks 7-10%. For vehicles, use negative (e.g. -10%).
? How much do you add to this asset each month? This helps project future growth through Dollar Cost Averaging (DCA).
Optional - for projecting future growth
Typical Returns: Savings: 2-3% | EPF: 5-6% | ASB: 5-7% | Tabung Haji: 3-5% | Gold: 3-8% | Bitcoin: varies | Stocks: 7-10% | Property: 3-5%
Logo mynetworth.today
Net Worth
RM 0
-- Health
ASSETS
RM 0
DEBTS
RM 0
Cashflow RM 0
DSR 0%
Runway 0 mo
Set your financial goals to track progress!
mynetworth.today

Wealth Projection

Inflation
Debt-Free Date
-
Interest Saved
RM 0
5-Year Net Worth
RM 0
10-Year Net Worth
RM 0
30-Year Net Worth
RM 0

💳 Debts

RM 0
No debts added yet

💰 Assets

RM 0
No assets added yet
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