### Life is complicated, let us do the math

### Calculators

## Investment Returns Calculators

## Buying a Vehicle Calculators

## Buying a Home Calculators

## Personal Loan Calculators

## Basic Savings Calculator

Figure out how much you can save up in a certain time period.

The calculations shown here are estimates. Always check the Product Disclosure Sheet for other fees and conditions that may apply to your situation.

## Savings Goal Calculator

Figure out how much you should save each month to reach your savings goal.

The calculations shown here are estimates. Always check the Product Disclosure Sheet for other fees and conditions that may apply to your situation.

## Basic Investment Returns Calculator

Use this calculator to figure out how much you might make from your investments after taking into account fees.

The calculations shown here are estimates. Always check the Product Disclosure Sheet for other fees and conditions that may apply to your situation.

## Investment Comparison Calculator

Compare two different investment products (e.g. Unit Trusts or ETFs) by entering the values for the first option into “Investment A” and the values for the second option into “Investment B”.

Give it a go!

*Remember, investing is always risky. Past performance doesn’t predict future performance. You should always diversify your investments.*

## Vehicle Loan Calculator

Use this calculator to figure out your upfront and monthly vehicle costs.

## Vehicle Comparison Calculator

Use this calculator to figure out how much you can save between two different vehicle options.

## Home Upfront Cost Calculator

Use this calculator to figure out your upfront costs. If you’re not sure what some of these amounts could be, use our suggested values (in light grey) as a rough guide.

## Home Affordability Calculator

Fill in the information below to figure out what home you can afford.

## Home Loan Calculator

Use this calculator to figure out what your monthly repayment is for your home loan.

## Monthly Repayment Calculator

You know how much you need to borrow and the interest the lender is charging you.

Use this calculator to figure out your monthly repayments and how much you’re paying in total.

## Personal Loan Total Repayment Calculator

You have been told how much your initial payment and monthly payments are. Use this calculator to figure out the total cost of your loan

## Retirement Savings Calculator

Use this calculator to help you figure out how much you should be saving for your retirement.

### It’s best to start saving earlier. The diagram below shows how much you’ll need to save if you only start saving in 5 or 10 years.

### But also remember, this is just an estimate – your salary will probably increase over time, allowing you to save more and achieve your retirement savings goal quicker!

## Effective Interest Rate Calculator

For personal loans or hire purchase loans, the rate quoted is usually the flat rate.

Use this calculator to find the effective interest rate of these loans.

Learn more about effective interest rates here.

#### As a result, you can see that the interest costs from borrowing this money could be used to pay for other items instead.

For a further explanation of how EIRs and flat rate loans work.

## Credit Card Repayment Calculator

Use this calculator to figure out how much you should be paying, at the minimum, each month to repay your credit card debt. This way you can prevent your debt from getting out of control.

### You can always speak to a representative from AKPK to find out how to pay-off your debt and avoid bankruptcy

Learn more at https://www.akpk.org.my/

## Portfolio Simulator Calculator

Use this calculator to figure out what your overall returns might look like if you invest in a few different investments.

### Here are what your returns would look like:

#### Your overall returns end up being an average of your returns across your different investments.

#### By diversifying your investments, you reduce the risk of making big losses in a downturn.

Need to figure out how to get your spending under control?

Use this calculator to see where your money goes each month, and where you might be able to cut down.