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Net worth tracking, debt payoff plans & Malaysian tax calculators — free, private, in your browser

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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

Calculators & Guides

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 →

Investment guides from RM50

Rahsia Simpan Emas
Gold savings guide
Rahsia Bitcoin
DCA from RM50
StashAway
Robo-advisor 8-18%
View All Articles →

Quick-Start Templates

See the planner in action with realistic sample data

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
Home Buyer
First-time homeowner
Mortgage RM 350K
Age 32
Wealth Builder
Focus on growing investments
Salary RM 8K
Assets RM 134K
Family Planner
Growing family with kids
Kids 2
Age 38
Pre-Retirement
Nearing retirement
EPF RM 450K
Age 52

Ready to Take Control?

Income → Debts → Assets → your 30-year outlook, in under 2 minutes

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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 ~2.75% (OPR cut Jul 2025, unchanged since) | 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%
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Net Worth
RM 0
-- Health
ASSETS
RM 0
DEBTS
RM 0
Cashflow RM 0
DSR 0%
Runway 0 mo
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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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