iCalculator/ MY

Who we are

About iCalculator

iCalculator Malaysia is a free set of calculators built for everyday life in Malaysia. Most are money tools — car loans, home loans, personal income tax, salary take-home pay, EPF retirement projection, credit-card interest, PTPTN repayment, property stamp duty, Real Property Gains Tax (RPGT), EV road tax, the BUDI95 petrol subsidy, B40/M40/T20 income classification, and zakat (income, savings, gold and business) — and they help you understand the real cost of borrowing, the real take-home from your salary, and the long-term shape of your savings before you sign anything or commit to a decision. Beyond money, we also offer a BMI health calculator (using Malaysia's Asian BMI cutoffs), a Calorie calculator (TDEE) (daily calorie needs, macro targets, and weight goals), and a World Cup knowledge base — the 2026 and 2022 editions, with squads, group standings, knockout brackets, results and stats.

Every calculator runs entirely in your browser. There are no accounts, no sign-ups, and the numbers you enter never leave your device. The site is available in English, Bahasa Melayu, and Chinese.

Why we built this

Most Malaysian borrowers have never seen the difference between an advertised flat rate and the actual effective interest rate (EIR) they pay. Bank brochures quote one number, but the schedule you sign — and what you owe if you settle early — depends on which calculation method the loan is governed by.

Malaysia's Hire Purchase Amendment Act 2026 (effective 1 June 2026) changes this for new car loans: the industry moves from the Rule of 78 to Reducing Balance, and banks must now disclose the EIR alongside the advertised flat rate. Pre-2026 loans remain under the Rule of 78 until banks complete migration by 31 March 2027. Our car loan calculator compares both methods side by side — including what an early settlement actually saves you under each.

The same transparency problem exists for personal income tax (which reliefs am I missing?), EPF (will I have enough to retire?), and credit-card interest (how much does a single missed minimum payment really cost?). Each calculator on this site is built to answer one of those questions with a clear, fully-broken-down number — not a marketing summary.

What we offer

  • Car loan calculator — Rule of 78 vs Reducing Balance, EIR, and early-settlement comparison under the Hire Purchase Amendment Act 2026.
  • Home loan calculator — reducing-balance mortgage math, monthly instalments, total interest, and one-off or recurring prepayment scenarios.
  • Income tax calculator — Malaysia resident personal income tax for assessment years 2025 and 2026, including reliefs, rebates, and monthly PCB.
  • Salary calculator — gross-to-net monthly take-home pay with EPF, SOCSO, EIS and PCB deductions, plus the employer contributions behind your payslip.
  • EPF calculator — long-term retirement projection with statutory contribution rates and historical dividend context.
  • Credit card calculator — single billing-cycle interest, minimum-payment trap, and a picker of popular Malaysian cards.
  • PTPTN calculator — student-loan repayment schedule under the 1% ujrah convention, with principal-banded tenure tiers.
  • Stamp duty calculator — property transfer (MOT) and loan-agreement stamp duty, first-home exemption, and SRO 2023 legal fees.
  • RPGT calculator — Real Property Gains Tax on a sale, with Schedule 5 rates by holding period and seller category and the Schedule 4 exemption.
  • EV road tax calculator — your electric car's annual road tax under Malaysia's 2026 kW-based JPJ schedule.
  • Petrol subsidy calculator — your real monthly RON95 cost under BUDI95: subsidised quota vs market price and effective price per litre.
  • Income classification tool — where your household sits on the B40 / M40 / T20 scale against DOSM 2022 thresholds, nationally or by state.
  • BMI calculator — your Body Mass Index against Malaysia's Asian (MOH) cutoffs and the WHO global scale, with your healthy weight range.
  • Calorie calculator (TDEE) — Estimate your daily calorie needs (BMR and TDEE) and targets to lose, maintain, or gain weight, with a macro breakdown.
  • Zakat calculator — work out zakat on income, savings, gold and business (2.5% above nisab).
  • World Cup knowledge base — a multi-edition hub covering the 2026 finals (all 48 teams, full squads, and an Elo match predictor) and the completed 2022 finals (full group standings, knockout bracket, all 64 results, top scorers and awards), with groups, bracket, results, teams and stats pages for each edition.

Methodology and sources

Each calculator implements published Malaysian methodology directly — not a generic offshore formula adapted to look local. The primary references we follow:

  • Bank Negara Malaysia (BNM) — hire purchase policy, EIR disclosure guidelines, and the Hire Purchase Amendment Act 2026 (bnm.gov.my).
  • Lembaga Hasil Dalam Negeri (LHDN / IRBM) — progressive tax brackets, reliefs, rebates, and monthly PCB schedules for the relevant assessment years (hasil.gov.my).
  • Kumpulan Wang Simpanan Pekerja (KWSP / EPF) — statutory employee and employer contribution rates and historical dividend declarations (kwsp.gov.my).
  • PERKESO / SOCSO and EIS — statutory deduction tables used in the income-tax take-home calculation (perkeso.gov.my).

The underlying math is implemented as plain, framework-free TypeScript functions and is covered by an automated test suite that locks in known worked examples — for instance, a RM100,000 / 3% flat / 9-year car loan must produce ~RM1,176 monthly with a ~5.5% EIR. If a government rate or bracket changes, we update the corresponding rate table and re-run the suite before publishing.

Editorial standards

We do not accept payment from banks, lenders, or any product issuer in exchange for placement, ranking, or favourable commentary. Credit-card data shown in the calculator is sourced from public-facing product pages and aggregator sites and is refreshed periodically; we name issuers neutrally and do not receive referral commissions.

We display third-party advertising via Google AdSense, which is served independently of our editorial content. Ad placement does not influence how a calculator computes results or what guidance we provide.

Accuracy and disclaimer

Our calculations follow published Malaysian methodology and are tested against known reference cases. Even so, results are estimates for educational purposes only and are not financial, tax, or legal advice. Tax laws, interest rates, and statutory contribution rates change; always confirm current figures with your bank, LHDN, EPF, or a licensed adviser before making a decision.

Who runs this

iCalculator Malaysia is an independent project operated from Malaysia. We are not affiliated with any bank, government agency, or financial product issuer. Found a bug, have a suggestion, or want us to add a calculator? See the Contact page.