PTPTN Loan

Repay your PTPTN with clarity.

Estimate your monthly PTPTN installment under the Ujrah model (1% p.a. on outstanding balance). See total Ujrah, total payable, and a month-by-month schedule.

Your loan

Loan amount (RM)

Outstanding PTPTN principal you intend to repay.

Ujrah rate

% p.a.

PTPTN charges 1% per year on outstanding balance.

Tenure

years

PTPTN caps tenure by loan size: 5/10/15/20 years.

Your repayment

Monthly installment

RM 239.40

Total Ujrah: RM 3,091.61
Total payable: RM 43,091.61

Repayment composition over time

How each ringgit splits between principal and Ujrah, month by month.

Month-by-month schedule

Month	Installment	Ujrah	Principal	Balance
1	RM 239.40	RM 33.33	RM 206.06	RM 39,793.94
2	RM 239.40	RM 33.16	RM 206.24	RM 39,587.70
3	RM 239.40	RM 32.99	RM 206.41	RM 39,381.29
4	RM 239.40	RM 32.82	RM 206.58	RM 39,174.71
5	RM 239.40	RM 32.65	RM 206.75	RM 38,967.96
6	RM 239.40	RM 32.47	RM 206.92	RM 38,761.03
7	RM 239.40	RM 32.30	RM 207.10	RM 38,553.94
8	RM 239.40	RM 32.13	RM 207.27	RM 38,346.67
9	RM 239.40	RM 31.96	RM 207.44	RM 38,139.23
10	RM 239.40	RM 31.78	RM 207.62	RM 37,931.61
11	RM 239.40	RM 31.61	RM 207.79	RM 37,723.82
12	RM 239.40	RM 31.44	RM 207.96	RM 37,515.86
13	RM 239.40	RM 31.26	RM 208.13	RM 37,307.73
14	RM 239.40	RM 31.09	RM 208.31	RM 37,099.42
15	RM 239.40	RM 30.92	RM 208.48	RM 36,890.94
16	RM 239.40	RM 30.74	RM 208.66	RM 36,682.28
17	RM 239.40	RM 30.57	RM 208.83	RM 36,473.45
18	RM 239.40	RM 30.39	RM 209.00	RM 36,264.45
19	RM 239.40	RM 30.22	RM 209.18	RM 36,055.27
20	RM 239.40	RM 30.05	RM 209.35	RM 35,845.92
21	RM 239.40	RM 29.87	RM 209.53	RM 35,636.39
22	RM 239.40	RM 29.70	RM 209.70	RM 35,426.69
23	RM 239.40	RM 29.52	RM 209.88	RM 35,216.82
24	RM 239.40	RM 29.35	RM 210.05	RM 35,006.77
25	RM 239.40	RM 29.17	RM 210.23	RM 34,796.54
26	RM 239.40	RM 29.00	RM 210.40	RM 34,586.14
27	RM 239.40	RM 28.82	RM 210.58	RM 34,375.56
28	RM 239.40	RM 28.65	RM 210.75	RM 34,164.81
29	RM 239.40	RM 28.47	RM 210.93	RM 33,953.89
30	RM 239.40	RM 28.29	RM 211.10	RM 33,742.78
31	RM 239.40	RM 28.12	RM 211.28	RM 33,531.50
32	RM 239.40	RM 27.94	RM 211.45	RM 33,320.05
33	RM 239.40	RM 27.77	RM 211.63	RM 33,108.42
34	RM 239.40	RM 27.59	RM 211.81	RM 32,896.61
35	RM 239.40	RM 27.41	RM 211.98	RM 32,684.63
36	RM 239.40	RM 27.24	RM 212.16	RM 32,472.47
37	RM 239.40	RM 27.06	RM 212.34	RM 32,260.13
38	RM 239.40	RM 26.88	RM 212.51	RM 32,047.61
39	RM 239.40	RM 26.71	RM 212.69	RM 31,834.92
40	RM 239.40	RM 26.53	RM 212.87	RM 31,622.05
41	RM 239.40	RM 26.35	RM 213.05	RM 31,409.01
42	RM 239.40	RM 26.17	RM 213.22	RM 31,195.78
43	RM 239.40	RM 26.00	RM 213.40	RM 30,982.38
44	RM 239.40	RM 25.82	RM 213.58	RM 30,768.80
45	RM 239.40	RM 25.64	RM 213.76	RM 30,555.05
46	RM 239.40	RM 25.46	RM 213.94	RM 30,341.11
47	RM 239.40	RM 25.28	RM 214.11	RM 30,127.00
48	RM 239.40	RM 25.11	RM 214.29	RM 29,912.71
49	RM 239.40	RM 24.93	RM 214.47	RM 29,698.24
50	RM 239.40	RM 24.75	RM 214.65	RM 29,483.59
51	RM 239.40	RM 24.57	RM 214.83	RM 29,268.76
52	RM 239.40	RM 24.39	RM 215.01	RM 29,053.75
53	RM 239.40	RM 24.21	RM 215.19	RM 28,838.56
54	RM 239.40	RM 24.03	RM 215.37	RM 28,623.20
55	RM 239.40	RM 23.85	RM 215.55	RM 28,407.65
56	RM 239.40	RM 23.67	RM 215.72	RM 28,191.93
57	RM 239.40	RM 23.49	RM 215.90	RM 27,976.02
58	RM 239.40	RM 23.31	RM 216.08	RM 27,759.94
59	RM 239.40	RM 23.13	RM 216.26	RM 27,543.68
60	RM 239.40	RM 22.95	RM 216.44	RM 27,327.23
61	RM 239.40	RM 22.77	RM 216.63	RM 27,110.61
62	RM 239.40	RM 22.59	RM 216.81	RM 26,893.80
63	RM 239.40	RM 22.41	RM 216.99	RM 26,676.81
64	RM 239.40	RM 22.23	RM 217.17	RM 26,459.65
65	RM 239.40	RM 22.05	RM 217.35	RM 26,242.30
66	RM 239.40	RM 21.87	RM 217.53	RM 26,024.77
67	RM 239.40	RM 21.69	RM 217.71	RM 25,807.06
68	RM 239.40	RM 21.51	RM 217.89	RM 25,589.17
69	RM 239.40	RM 21.32	RM 218.07	RM 25,371.09
70	RM 239.40	RM 21.14	RM 218.26	RM 25,152.84
71	RM 239.40	RM 20.96	RM 218.44	RM 24,934.40
72	RM 239.40	RM 20.78	RM 218.62	RM 24,715.78
73	RM 239.40	RM 20.60	RM 218.80	RM 24,496.98
74	RM 239.40	RM 20.41	RM 218.98	RM 24,278.00
75	RM 239.40	RM 20.23	RM 219.17	RM 24,058.83
76	RM 239.40	RM 20.05	RM 219.35	RM 23,839.48
77	RM 239.40	RM 19.87	RM 219.53	RM 23,619.95
78	RM 239.40	RM 19.68	RM 219.71	RM 23,400.24
79	RM 239.40	RM 19.50	RM 219.90	RM 23,180.34
80	RM 239.40	RM 19.32	RM 220.08	RM 22,960.26
81	RM 239.40	RM 19.13	RM 220.26	RM 22,739.99
82	RM 239.40	RM 18.95	RM 220.45	RM 22,519.55
83	RM 239.40	RM 18.77	RM 220.63	RM 22,298.91
84	RM 239.40	RM 18.58	RM 220.82	RM 22,078.10
85	RM 239.40	RM 18.40	RM 221.00	RM 21,857.10
86	RM 239.40	RM 18.21	RM 221.18	RM 21,635.92
87	RM 239.40	RM 18.03	RM 221.37	RM 21,414.55
88	RM 239.40	RM 17.85	RM 221.55	RM 21,193.00
89	RM 239.40	RM 17.66	RM 221.74	RM 20,971.26
90	RM 239.40	RM 17.48	RM 221.92	RM 20,749.34
91	RM 239.40	RM 17.29	RM 222.11	RM 20,527.23
92	RM 239.40	RM 17.11	RM 222.29	RM 20,304.94
93	RM 239.40	RM 16.92	RM 222.48	RM 20,082.46
94	RM 239.40	RM 16.74	RM 222.66	RM 19,859.80
95	RM 239.40	RM 16.55	RM 222.85	RM 19,636.95
96	RM 239.40	RM 16.36	RM 223.03	RM 19,413.92
97	RM 239.40	RM 16.18	RM 223.22	RM 19,190.70
98	RM 239.40	RM 15.99	RM 223.41	RM 18,967.29
99	RM 239.40	RM 15.81	RM 223.59	RM 18,743.70
100	RM 239.40	RM 15.62	RM 223.78	RM 18,519.92
101	RM 239.40	RM 15.43	RM 223.96	RM 18,295.96
102	RM 239.40	RM 15.25	RM 224.15	RM 18,071.81
103	RM 239.40	RM 15.06	RM 224.34	RM 17,847.47
104	RM 239.40	RM 14.87	RM 224.52	RM 17,622.94
105	RM 239.40	RM 14.69	RM 224.71	RM 17,398.23
106	RM 239.40	RM 14.50	RM 224.90	RM 17,173.33
107	RM 239.40	RM 14.31	RM 225.09	RM 16,948.25
108	RM 239.40	RM 14.12	RM 225.27	RM 16,722.97
109	RM 239.40	RM 13.94	RM 225.46	RM 16,497.51
110	RM 239.40	RM 13.75	RM 225.65	RM 16,271.86
111	RM 239.40	RM 13.56	RM 225.84	RM 16,046.02
112	RM 239.40	RM 13.37	RM 226.03	RM 15,820.00
113	RM 239.40	RM 13.18	RM 226.21	RM 15,593.78
114	RM 239.40	RM 12.99	RM 226.40	RM 15,367.38
115	RM 239.40	RM 12.81	RM 226.59	RM 15,140.79
116	RM 239.40	RM 12.62	RM 226.78	RM 14,914.01
117	RM 239.40	RM 12.43	RM 226.97	RM 14,687.04
118	RM 239.40	RM 12.24	RM 227.16	RM 14,459.88
119	RM 239.40	RM 12.05	RM 227.35	RM 14,232.53
120	RM 239.40	RM 11.86	RM 227.54	RM 14,004.99
121	RM 239.40	RM 11.67	RM 227.73	RM 13,777.27
122	RM 239.40	RM 11.48	RM 227.92	RM 13,549.35
123	RM 239.40	RM 11.29	RM 228.11	RM 13,321.24
124	RM 239.40	RM 11.10	RM 228.30	RM 13,092.95
125	RM 239.40	RM 10.91	RM 228.49	RM 12,864.46
126	RM 239.40	RM 10.72	RM 228.68	RM 12,635.78
127	RM 239.40	RM 10.53	RM 228.87	RM 12,406.91
128	RM 239.40	RM 10.34	RM 229.06	RM 12,177.85
129	RM 239.40	RM 10.15	RM 229.25	RM 11,948.60
130	RM 239.40	RM 9.96	RM 229.44	RM 11,719.16
131	RM 239.40	RM 9.77	RM 229.63	RM 11,489.53
132	RM 239.40	RM 9.57	RM 229.82	RM 11,259.71
133	RM 239.40	RM 9.38	RM 230.01	RM 11,029.69
134	RM 239.40	RM 9.19	RM 230.21	RM 10,799.49
135	RM 239.40	RM 9.00	RM 230.40	RM 10,569.09
136	RM 239.40	RM 8.81	RM 230.59	RM 10,338.50
137	RM 239.40	RM 8.62	RM 230.78	RM 10,107.72
138	RM 239.40	RM 8.42	RM 230.97	RM 9,876.74
139	RM 239.40	RM 8.23	RM 231.17	RM 9,645.58
140	RM 239.40	RM 8.04	RM 231.36	RM 9,414.22
141	RM 239.40	RM 7.85	RM 231.55	RM 9,182.66
142	RM 239.40	RM 7.65	RM 231.75	RM 8,950.92
143	RM 239.40	RM 7.46	RM 231.94	RM 8,718.98
144	RM 239.40	RM 7.27	RM 232.13	RM 8,486.85
145	RM 239.40	RM 7.07	RM 232.33	RM 8,254.52
146	RM 239.40	RM 6.88	RM 232.52	RM 8,022.00
147	RM 239.40	RM 6.69	RM 232.71	RM 7,789.29
148	RM 239.40	RM 6.49	RM 232.91	RM 7,556.38
149	RM 239.40	RM 6.30	RM 233.10	RM 7,323.28
150	RM 239.40	RM 6.10	RM 233.30	RM 7,089.99
151	RM 239.40	RM 5.91	RM 233.49	RM 6,856.50
152	RM 239.40	RM 5.71	RM 233.68	RM 6,622.81
153	RM 239.40	RM 5.52	RM 233.88	RM 6,388.93
154	RM 239.40	RM 5.32	RM 234.07	RM 6,154.86
155	RM 239.40	RM 5.13	RM 234.27	RM 5,920.59
156	RM 239.40	RM 4.93	RM 234.46	RM 5,686.13
157	RM 239.40	RM 4.74	RM 234.66	RM 5,451.47
158	RM 239.40	RM 4.54	RM 234.85	RM 5,216.61
159	RM 239.40	RM 4.35	RM 235.05	RM 4,981.56
160	RM 239.40	RM 4.15	RM 235.25	RM 4,746.32
161	RM 239.40	RM 3.96	RM 235.44	RM 4,510.87
162	RM 239.40	RM 3.76	RM 235.64	RM 4,275.24
163	RM 239.40	RM 3.56	RM 235.84	RM 4,039.40
164	RM 239.40	RM 3.37	RM 236.03	RM 3,803.37
165	RM 239.40	RM 3.17	RM 236.23	RM 3,567.14
166	RM 239.40	RM 2.97	RM 236.43	RM 3,330.71
167	RM 239.40	RM 2.78	RM 236.62	RM 3,094.09
168	RM 239.40	RM 2.58	RM 236.82	RM 2,857.27
169	RM 239.40	RM 2.38	RM 237.02	RM 2,620.26
170	RM 239.40	RM 2.18	RM 237.21	RM 2,383.04
171	RM 239.40	RM 1.99	RM 237.41	RM 2,145.63
172	RM 239.40	RM 1.79	RM 237.61	RM 1,908.02
173	RM 239.40	RM 1.59	RM 237.81	RM 1,670.21
174	RM 239.40	RM 1.39	RM 238.01	RM 1,432.21
175	RM 239.40	RM 1.19	RM 238.20	RM 1,194.00
176	RM 239.40	RM 1.00	RM 238.40	RM 955.60
177	RM 239.40	RM 0.80	RM 238.60	RM 717.00
178	RM 239.40	RM 0.60	RM 238.80	RM 478.20
179	RM 239.40	RM 0.40	RM 239.00	RM 239.20
180	RM 239.40	RM 0.20	RM 239.20	RM 0.00

How Ujrah works

PTPTN loans since 2008 use the Ujrah service-charge model: 1% per year on your outstanding balance, computed monthly. Mathematically this is identical to a standard reducing-balance loan at 1% annual.

Each month the Ujrah portion shrinks as your balance drops, and the principal portion grows. The monthly installment stays constant.

Why tenure matters

PTPTN caps tenure by loan size: 5 years up to RM10,000, 10 years up to RM22,000, 15 years up to RM50,000, and 20 years beyond. A longer tenure lowers the monthly installment but increases total Ujrah paid.

RM 40,000 PTPTN loan over 15 years

Worked example

A typical undergraduate loan: RM 40,000 principal, 1% Ujrah, default tier tenure 15 years (180 months).

Monthly installment works out to about RM 239.36. Over 180 months you pay roughly RM 43,084 total — RM 40,000 principal plus around RM 3,084 in cumulative Ujrah.

In month one the Ujrah portion is about RM 33 (1% × 40,000 / 12). Each subsequent month the Ujrah charge shrinks slightly because the outstanding balance is lower, while the principal portion grows. The installment itself stays at RM 239.36 throughout.

If you pick a shorter tenure — say 10 years — the installment rises to about RM 350.62 but total Ujrah drops to roughly RM 2,074. Trade-off: higher monthly cost, less total Ujrah paid.

Things to watch for

PTPTN looks simple but a few details trip people up. Plan around these.

01Defaulting to maximum tenure isn't free
PTPTN auto-assigns the tier maximum if you don't pick a tenure. That's the lowest monthly installment, but you'll pay the most Ujrah over the life of the loan. If you can afford a higher monthly amount, a shorter tenure saves real money.
02Pre-2008 loans use compound interest, not Ujrah
If your loan agreement predates 2008 you're on the old 3% compound-interest scheme. This calculator assumes the post-2008 Ujrah model; numbers won't apply to legacy loans.
03Settlement discounts aren't modelled here
PTPTN periodically runs 10–20% discount campaigns for full settlement. They can dramatically reduce what you owe — but timing and eligibility vary. Always check the latest PTPTN announcement before settling.

Frequently asked questions

4 questions

What is Ujrah?

Ujrah is a service charge under Shariah-compliant financing. PTPTN charges 1% Ujrah per year on the outstanding loan balance. Mathematically it behaves like a 1% reducing-balance interest rate.

How is my PTPTN monthly installment calculated?

Using a standard reducing-balance amortization formula: PMT = P × r / (1 − (1 + r)^−n), where P is the loan amount, r is the monthly Ujrah (annual / 12), and n is the tenure in months.

What's the maximum PTPTN repayment tenure?

Up to 5 years for loans up to RM10,000, 10 years up to RM22,000, 15 years up to RM50,000, and 20 years beyond. The calculator defaults to the tier maximum for your entered amount.

Can I pay off my PTPTN loan early?

Yes — PTPTN has no penalty for early settlement, and runs periodic discount campaigns. This calculator does not yet simulate lump-sum prepayment or settlement discounts.

Related calculators

15 more

Repay your PTPTN with clarity.

Your loan

Your repayment

Repayment composition over time

Month-by-month schedule

How Ujrah works

Why tenure matters

RM 40,000 PTPTN loan over 15 years

Things to watch for

Frequently asked questions

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