Life is complicated, let us do the math

Calculators

Multiply Character Using Calculator On Phone for calculating savings, investments, loans, retirement savings, mortgages, loan repayments, buying a vehicle, EIR, credit card repayments and more

Savings Calculator

Investment Returns Calculator

Buying a Vehicle Calculator

Buying a Home Calculator

Personal Loan Calculator

Monthly Budget Calculator

Retirement Savings Calculator

Effective Interest Rate Calculator

Credit Card Repayment Calculator

Savings Calculators

Basic Savings Calculator

Savings Goal Calculator

Investment Returns Calculators

Basic Investment Returns Calculator

Investment Comparison Calculator

Investment Portfolio Simulator

Buying a Vehicle Calculators

Vehicle Loan Calculator

Vehicle Comparison Calculator

Buying a Home Calculators

Home Upfront Cost Calculator

Home Affordability Calculator

Home Loan Calculator

Personal Loan Calculators

Monthly Repayment Calculator

Total Repayment Calculator

Basic Savings Calculator

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

How much can you save?

How frequently can you save this amount?

yearly monthly weekly

How long do you want to save this amount for?

year

months

Either year or months required

Interest rate per annum for your savings (?) An example of this is the rate that usually gets quoted at you whenever you sign up for a savings account. This rate is usually an annual rate.

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.

My savings goal is

Amount you can save

How frequently can you save this amount?

years months weekly

Interest rate per annum for your savings (?) An example of this is the rate that usually gets quoted at you whenever you sign up for a savings account. This rate is usually an annual rate.

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.

Investment amount

Investment time period

year

months

Either year or months required for investment period

Upfront fees (?) Sales charge, brokerage fees, etc. Call your investment agent/manager to find out how much these charges are

Annual fees (?) Management fees, trustee fees, etc. Contact your investment agent/broker/manager to find out how much these charges are

Expected return rate per annum (?) You can use the investment’s past 3- or 5-year performance as an estimate return rate here

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!

Investment principal (?) How much you want to invest

Investment time period (?) How long you want to invest for

years

months

Either year or months required for investment period

Investment A

Upfront fees (?) Sales charge, brokerage fees, etc. Call your investment agent/manager to find out how much these charges are

Annual fees (?) Management fees, trustee fees, etc. Contact your investment agent/broker/manager to find out how much these charges are

Expected return rate per annum (?) You can use the investment’s past 3- or 5-year performance as an estimate return rate here

Investment B

Upfront fees (?) Sales charge, brokerage fees, etc. Call your investment agent/manager to find out how much these charges are

Annual fees (?) Management fees, trustee fees, etc. Contact your investment agent/broker/manager to find out how much these charges are

Expected return rate per annum (?) Remember, investing is always risky. Past performance doesn’t predict future performance. You should always diversity your investments.

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

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

Vehicle Loan Calculator

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

What will my vehicle cost?

Vehicle price

Downpayment (?) Your downpayment must be at least 10% of your vehicle price for a brand-new vehicle, or 15% for a second-hand vehicle

Loan period

years

Flat interest rate per annumFlat Interest rate per month

Optional: Fill in your estimated road tax and vehicle insurance costs, along with how much you expect to spend on petrol each month.

Road tax cost per annum

Insurance cost per annum

Petrol cost per month

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

Vehicle Comparison Calculator

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

Which vehicle is best for me?

Vehicle A

Vehicle price

Deposit / downpayment amount (?) Your downpayment must be at least 10% of your vehicle price for a brand-new vehicle, or 15% for a second-hand vehicle

Loan period

years

Flat Interest rate per annumFlat Interest rate per month

Vehicle B

Vehicle price

Deposit / downpayment amount (?) Your downpayment must be at least 10% of your vehicle price for a brand-new vehicle, or 15% for a second-hand vehicle

Loan period

years

Flat Interest rate per annumFlat Interest rate per month

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

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.

What are my upfront costs?

Price of property

Major upfront costs

Down Payment (?) In general, your downpayment is at least 10% of the property price

Mortgage Insurance (?) Mortgage insurance is not compulsory for all banks. This calculator assumes a Mortgage Reducing Term Assurance (MRTA) which is usually added to your loan

Sale and Purchase Agreement fees

Disbursement Fee (?) This will be charged by your lawyer to cover items like title searches, bankruptcy searches, printing charges etc

Loan Agreement fees

Bank administrative fee (?) The fee the bank charges to process your loan application (banks sometimes waive this fee)

Disbursement Fee (?) This is charged by your lawyer to cover items like title searches, bankruptcy searches, printing charges etc

Other Costs

Renovation Costs

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

Home Affordability Calculator

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

What home loan can I afford?

Monthly savings available for home loan (?) Take your monthly income and minus off your monthly expenses to calculate your monthly savings

Loan length(?) The maximum loan period you can take is 35 years or the number of years you have until you turn 70

year

Interest rate per annum (?) This is the interest rate quoted by the bank when you get your loan

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

Home Loan Calculator

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

Monthly repayment calculator (home loan)

Home price (?) Type in the price of the home you want to buy

Loan amount (?) Most banks will loan you up to 90% of the purchase price of the property depending on how many loans you already have and your overall credit rating

Interest rate per annum (?) This is the interest rate quoted by the bank when you get your loan

Loan period (?) The maximum loan period you can take is 35 years or the number of years you have until you turn 70

year

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

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.

Monthly repayment calculator

How much you want to borrow

Interest/profit rate

per year per month

Interest/profit rateper yearInterest/profit rateper month

Payment Term

year

months

Either year or months required for payment term

Fees (?) Most banks don’t charge processing or stamping fees for personal loans, but always check this before signing up.

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

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

What is my personal loan's total cost?

How much you want to borrow

Loan deposit(?) Usually set by the loan sales agent

Your monthly repayment amount (?) Given by the loan sales agent or in the Product Disclosure Sheet

The time period of the loan

year

months

Either year or months required for payment term

Fees (?) Most banks don’t charge processing or stamping fees for personal loans, but always check this before signing up.

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

Retirement Savings Calculator

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

Retirement Calculator

How much do you earn annually today?

How old are you currently?

years

At what age do you intend to retire?

years

Percentage of your income that you want during retirement

Savings rate of return per annum

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

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.

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

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.

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

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.

Investment A

Investment amount

Investment returns

Investment B

Investment amount

Investment returns

Investment C

Investment amount

Investment returns

Investment D

Investment amount

Investment returns

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

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.

Income

Daily Monthly

How much do you earn daily?

Please enter how much you earn

How many days per month do you work?

Days

Choose your budget type

Simple Budget (?) Use this to get a rough idea of your monthly expenses. Detailed Budget (?) Use this to see a more detailed version of your monthly expenses.

Savings

	Frequency	RM
Emergency savings (?) Savings for emergencies like accidents, jobloss or medical bills. You should have at least 6 months of your current income for emergencies.		RM
Long term savings (?) Savings to invest or make a big purchase in the future.		RM
Retirement savings (?) Savings for your retirement e.g. voluntary EPF contributions. Learn more here.		RM
Downpayment (?) If you want to save up to buy a home/car		RM
Holiday		RM

+Add expenses

House

	Frequency	RM
House loan (?) Monthly repayments towards your home loan		RM
Rent		RM
Electricity		RM
Water		RM
Internet		RM
Maintenance (?) You will have to pay maintenance if you stay in an apartment.		RM
Phone bills		RM

+Add expenses

Food

	Frequency	RM
Meals		RM
Takeaways		RM
Groceries		RM

+Add expenses

Transport

	Frequency	RM
Public transport		RM
Car loan		RM
Fuel		RM
Vehicle maintenance		RM
Road tax		RM
Insurance		RM

+Add expenses

Others

	Frequency	RM
Credit card		RM
Personal loans		RM
Loans to family & friends (?) If you owe money to your friends and family, you can put aside a small amount every month to start paying them back.		RM

+Add expenses

Self Care

	Frequency	RM
Medical insurance		RM
Life insurance		RM
Haircut		RM
Eye care		RM
Medical expenses		RM

+Add expenses

Investment

	Frequency	RM
Monthly investment		RM
Fixed deposits		RM
Stocks		RM
Investment savings (?) If you are not ready to invest yet, save a small amount every month to make an investment in the future		RM

+Add expenses

Leisure

	Frequency	RM
Leisure spending (?) If you want to give your self the occasional treat. eg. movies, birthday dinners etc		RM

+Add expenses

Life is complicated, let us do the math

Calculators

Choose Your Calculator

Savings Calculators

Investment Returns Calculators

Buying a Vehicle Calculators

Buying a Home Calculators

Personal Loan Calculators

Basic Savings Calculator

Savings Goal Calculator

Basic Investment Returns Calculator

Investment Comparison Calculator

Investment A

Investment B

Vehicle Loan Calculator

What will my vehicle cost?

Vehicle Comparison Calculator

Which vehicle is best for me?

Vehicle A

Vehicle B

Home Upfront Cost Calculator

What are my upfront costs?

Major upfront costs

Sale and Purchase Agreement fees

Loan Agreement fees

Other Costs

Home Affordability Calculator

What home loan can I afford?

Home Loan Calculator

Monthly repayment calculator (home loan)

Monthly Repayment Calculator

Monthly repayment calculator

Personal Loan Total Repayment Calculator

What is my personal loan's total cost?

Retirement Savings Calculator

Retirement Calculator

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

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

How much should I repay each month?

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

Investment A

Investment B

Investment C

Investment D

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.

Monthly Budget Calculator

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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.

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/