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Malaysian money, explained
Every calculator on this site answers a question with a number. These guides explain the reasoning behind those numbers — the Malaysian rules, the formulas, the worked examples, and the traps to avoid — in plain English.
- Car loans · HP Act 2026
Rule of 78 vs Reducing Balance: What the 2026 Hire Purchase Act Changes
Malaysia's Hire Purchase Amendment Act 2026 moves new car loans from Rule of 78 to reducing balance. Here is what actually changes — and why it matters most if you settle early.
Read guide - Loans · Cost of borrowing
Flat Rate vs EIR: How to Compare Malaysian Loan Offers Properly
A 3% flat rate is not a 3% interest rate. Here is how flat rate, effective interest rate (EIR), and tenure interact — and why the cheapest headline rate is often the most expensive loan.
Read guide - Income tax · Reliefs
Income Tax Reliefs Malaysians Miss (YA 2025 & 2026)
Most Malaysians leave tax reliefs on the table every year. A walk through the reliefs that are easiest to forget, who qualifies, and how each one lowers your chargeable income.
Read guide - EPF · Retirement
EPF Accounts 1, 2 & 3 — and How Dividends Compound to Retirement
How the Akaun Persaraan / Sejahtera / Fleksibel split works, why EPF dividends are powerful, and what a few extra ringgit a month becomes over a 30-year horizon.
Read guide - Credit cards · Interest
The Credit-Card Minimum-Payment Trap, in Ringgit
Paying only the 5% minimum on a credit card can stretch a single purchase into years of interest. The arithmetic of the trap, and how the BNM tiered-APR rules affect you.
Read guide - Income tiers · DOSM 2022
B40, M40 and T20 Explained: Where Your Household Actually Sits
What the B40/M40/T20 income tiers mean, how DOSM defines them from the 2022 Household Income Survey, and why your state matters as much as your salary.
Read guide - PTPTN · Student loans
PTPTN Repayment and the 1% Ujrah Model, Explained
How PTPTN's ujrah (profit) charge differs from conventional interest, how the tier-based tenure works, and what really drives your monthly installment.
Read guide - Home loans · Prepayment
Home-Loan Prepayment: Lump Sum vs Recurring Extra Payments
Two ways to pay your mortgage down faster — a one-off lump sum or a small recurring top-up. How each shortens your tenure, and which saves more interest.
Read guide - Property · Stamp duty
Stamp Duty & Legal Fees in Malaysia (2026): The Full Upfront Cost
A complete breakdown of Memorandum of Transfer stamp duty, loan agreement duty, the first-home exemption, the new 8% foreigner rate, and SRO 2023 legal fees — so you know the full cash outlay before you sign.
Read guide - Fuel · BUDI95 2026
BUDI95 Explained: What Your RON95 Really Costs After the Quota Cut
Malaysia's targeted RON95 subsidy gives eligible citizens a fixed RM1.99/litre up to a monthly quota — cut from 300 L to 200 L in April 2026. Here is how the billing formula works, what the quota cut means for your fuel bill, and how to read your effective cost per litre.
Read guide - Property tax
RPGT in Malaysia: How Property Gains Tax Works (2026)
A plain-English walkthrough of Malaysia's Real Property Gains Tax — how the chargeable gain is calculated, what the Schedule 5 rates are for citizens, companies, and foreigners, which exemptions reduce your bill, and two worked examples using verified LHDN figures.
Read guide - EV · Road tax 2026
EV Road Tax in Malaysia: How the 2026 kW-Based Rates Work
Malaysia's EV road-tax exemption ended 31 December 2025. From 1 January 2026, battery-electric cars pay road tax based on motor power output in kilowatts — not engine cc. Here is how the 11 power bands work, a worked example for a 150 kW EV, and how to find your kW figure.
Read guide - Football · World Cup 2026
World Cup 2026: The 48 Teams, the New Format, and How to Read the Odds
Everything that changed for the 2026 World Cup — 48 teams in 12 groups, a new Round of 32, four debutants, and seven former champions (but not Italy). Plus how an Elo rating turns into a match prediction.
Read guide - Health
Understanding BMI in Malaysia: Why 23 Is the New 25
Malaysia's Ministry of Health uses the WHO Asian cutoffs — where normal ends at 22.9 and overweight starts at 23, not 25. Here is what that means for how you read your own BMI, and why the lower threshold exists.
Read guide - Calories & energy
TDEE and calorie needs: how many calories should you eat?
Your Total Daily Energy Expenditure (TDEE) is the only number that tells you how many calories you actually burn in a day. Here is how BMR and activity factors combine to give you that figure, and how to use it to set a realistic goal.
Read guide - Zakat · Personal finance
Zakat in Malaysia: Nisab, the 2.5% Rate, and How to Calculate It
Zakat is one of the five pillars of Islam — and in Malaysia it comes with a concrete arithmetic: 2.5% of a zakatable asset once it clears the nisab (85g of gold). Here is how each of the four main asset types is calculated, why the threshold moves with the gold price, and how to claim the ringgit-for-ringgit income-tax rebate.
Read guide - Salary · Take-home pay
Gross vs Net Salary in Malaysia: What's Really Deducted From Your Pay
Your offer letter says one number; your bank account shows another. Here is how EPF, SOCSO, EIS and monthly tax (PCB) turn your gross salary into take-home pay — plus the employer contributions that make your job cost more than your wage.
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