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    • Home
    • About Us
    • Guides

      Savings Calculator to calculate savings goals and basic savings projections

      Planning & Budgeting

      Investment Returns Calculator to calculate investment returns, investment comparisons and investment portfolio simulator

      Saving & Investing

      Guides to tackle financial debts in Malaysia for Free

      Tackling Debt

      Free Guides on Choosing and purchasing a vehicle in Malaysia

      Buying a Vehicle

      Free Guides on Purchasing a Home in Malaysia and avoiding crippling debt

      Buying a Home

      Free Guides On purchasing insurance in Malaysia safely

      Insurance

      Free guides to ensure a comfortable Retirement by planning your retirement

      Retirement

      All Guides Icon

      All Guides

    • Guides
      • Planning & Budgeting
      • Saving & Investing
      • Buying a Home
      • Buying a Vehicle
      • Tackling Debt
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      Tackling Debt

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      What you need to know about ‘Buy Now, Pay Later’ plansRead More
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      What you need to know about ‘Buy Now, Pay Later’ plans

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      If you have a home loan, you may have had a bank calling you and offering you new loans with low interest rates to...

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      Credit scoring

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      Did you know that only 40% of Malaysians are creditworthy or should be allowed to get a loan? One reason for this is the...

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      Effective Interest Rates (EIR)

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        🚨Jadi antara yang terawal untuk cuba laman web 🚨Jadi antara yang terawal untuk cuba laman web Multiply yang serba baharu!Kami sedang mencari rakyat Malaysia yang berumur 20-35 tahun untuk menguji laman web terbaharu kami.💡Akses awal💬 Maklum balas jujur📈 Bantu kami tambah baikTap pada link di bio untuk mendaftar sekarang!- - - - - -🚨Be the first to experience the all-new Multiply page!We’re looking for testers aged 20-35 to try our new website and tell us what you think.💡Early access💬 Honest feedback📈 Real impactTap the link in our bio to sign up now!#Finance #PersonalFinance #financialliteracy #Testers #Multiply
        ✨ 2025, we see you! ✨ Selamat Tahun Baru, Mul ✨ 2025, we see you! ✨Selamat Tahun Baru, Multipliers! 🎉 Here’s to leveling up, smashing goals, and keeping that duit game strong 💸🔥New year, new vibes, but still the same Multiply fam ready to support you every step of the way. 💪What’s your big goal for 2025? 👀 Drop it in the comments—let’s make it happen together! 🚀#MultiplyMY #NewYearVibes #2025HereWeCome
        As 2024 wraps up, let's look back at all we accomp As 2024 wraps up, let's look back at all we accomplished together, Multipliers! 🎉From our top 5 articles to the most popular tools on our site—korang memang power! 💪 THANK YOU for an amazing year 🫶Psst... 2025 is bringing something HUGE 🤫 Stay tuned and hold on to that hype! 🚀#MultiplyMY #MultiplyWrapped #2025Excitement
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        Are you a Scam Buster, Scam Sniffer, or New Learner? Test your knowledge on scams and see if you can best the fraudsters!

        Ready for the quiz? Click on "Start Quiz" to begin.

        1. 
        Let's start! Someone you’ve been dating online (and have never met in real life!) said they sent you a package. But, you need to pay a clearance fee through a “Customs” website to collect it. Will you do it?

        2. 
        You get an email asking you to reset your bank account password because someone tried to hack it. What do you do?

        3. 
        An officer calls you and says that your details have been used for money laundering. To avoid getting into more trouble, you need to pay a fine of RM10,000 and transfer it to a bank account. What should you do?

        4. 
        A company in Jakarta is pressuring you to make an investment quickly, but you can't find enough info about it online. Would you invest?

        5. 
        Someone who claims to work for a charity body asks you for a donation to help recent flood victims. They even show you photos of the victims as proof. Would you donate?

        6. 
        A stranger in a WhatsApp group offers you a part-time job that pays RM5,000 a month, but you need to pay a down payment before starting. Will you take it?

        7. 
        Someone wants to rent your bank account. They offer to pay you RM500 for every transaction they make. Do you accept the offer?

        8. 
        A caller from an unknown number who sounds like your boss asked you to transfer RM10,000 to an unfamiliar account. What will you do?

        9. 
        A seller on Mudah.my is selling a newly released mobile phone at 90% discount. However, you must make an immediate payment to book the deal. What would you do?

        10. 
        You saw an Instagram ad promoting cheap cleaning services from an agency. When you chat with them, they ask you to download an APK file to book your appointments. Should you do as instructed?

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        What’s your spending style?

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        Whats Your Finance Personality?

        Find out if you’re a Money Boss, Finance Cadet or a Finance Newbie by taking this quiz!

        1. It's the end of the month, you are thinking...

        2. Say you want to go shopping for fun, do you...

        3. So you crashed your car and it's going to cost RM1,000 to fix, you

        4. Your credit card statement is in and your reaction is

        5. After months of saving (see "sikit -sikit, lama-lama jadi bukit" really is true), you've got cash sitting in the bank. You then

        6. You're buying a new car (yes, imagine away - Toyota, Proton, or BMW). You take

        7. You are thinking of investing. What do you do...

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        What's your spending style?

        Managing our spending can be tricky business. So tell us how you spend your money and we'll help you figure out how to make the most of it!

        1. 
        How do you earn money?

        2. 
        How were you managing your finances before COVID-19 hit?

        3. 
        How has COVID-19 affected your spending overall?

        4. 
        How did the movement controls (MCO/CMCO) affect your credit card spending?

        5. 
        If you received Bantuan Prihatin Nasional (BPN) assistance, how did you use it?

        6. 
        If you're taking money from your EPF account during the MCO/CMCO (under i-Lestari), how are you using it?

        7. 
        The loan moratorium was helpful for me because:

        8. 
        The holiday season is just around the corner. What do you have planned for year-end shopping?

        9. 
        Have you planned your budget for 2021?

        10. 
        How are you preparing financially for 2021?

        11. 
        How do you think you'll manage your money in 2021?

        12. 
        What do you think you need most to improve your finances in 2021?

        13. 
        In 2021, my top financial goal is to:

        14. 
        In 2021, my biggest financial worry is:

        15. 
        In 2021, which areas of personal finance would you like to learn more about?

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