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Calculators

Every calculator on the site, each built on 2026 Malaysian rules — DSR, stamp duty, the first-home waiver, RPGT, and the new hire purchase law.

Your real borrowing ceiling from income, debts and savings — and whether income or cash is what's holding you back.

Which quote is cheapest once lock-in penalties, legal fee subsidies and MRTA count — plus each bank's indicative rate, live from Bank Negara.

Your net worth after a set number of years under each path, including stamp duty, RPGT and selling costs.

Net yield, monthly cash flow, rental tax and the real annual return on your cash — stress-tested against flat prices.

Gross and net yield for up to three properties side by side. The quick first filter before running the full numbers.

Pick a model or start from your income. Updated for the 2026 hire purchase reform, and shows what the car costs you in house.

Every RM100 of monthly debt removes about RM24,105 of reachable property price. The analysis behind it.

Fifteen areas compared by price, rail access, yield and who they suit, filtered to your budget.