Malaysia's Financial Literacy Hub

Master Your Duit,
Build Real Wealth

From budgeting your monthly expenses to understanding investments — myDuitSensei gives Malaysian the tools and knowledge to take control of their financial future.

4
Free Tools
12+
Finance Articles
RM 0
Cost to Start
📊
Budget Tracker
Log income and expenses, visualise your spending patterns with real-time charts.
Start Tracking →
🏦
Loan & Affordability Calculators
Home, car, personal & education loans, property affordability and credit card repayment.
Calculate Now →
📈
Investment Guides
Understand unit trusts, REITs, ETFs, direct stocks, family trusts and wills — with links to licensed brokers.
Explore Investments →
🎓
Financial Education
Bite-sized articles on saving, EPF, insurance, and growing your net worth in Malaysia.
Read Articles →
Getting Started
Your Path to Financial Freedom
Three simple steps to start managing your money like a sensei.
01
📝
Track Your Cash Flow
Log every ringgit in and out using our free budget tracker. See where your money goes with interactive charts and category breakdowns.
Open Budget Tracker →
02
🧮
Plan Big Purchases
Thinking of buying a house or car? Use our Malaysian loan calculators to understand the real cost of borrowing before you sign anything.
Open Loan & Affordability →
03
🌱
Grow Your Wealth
Once you're saving consistently, put your money to work. Our investment guide shows you where and how Malaysians can invest wisely.
Open Investment Guide →
Learn
Finance Articles for Malaysians
Practical, jargon-free guides on saving, investing, and building wealth in Malaysia.

Have a question or feedback? We'd love to hear from you.

✉️ brandonmlee_leo@hotmail.com
Budget Tracker
Your Money Dashboard
👋
Welcome to your Budget Dashboard!
The data below is sample data to help you get started. Here's how to use it:
① Pick a month below — the charts and totals update instantly.
② Add your transactions using the form. Date it to the month you selected.
③ Tap ✕ on any transaction to remove sample data and replace with your own.
Net Balance
RM 0
All time
Income
RM 0
This month
Expenses
RM 0
This month
Savings Rate
0%
Of income saved
📅 Select Month — charts & totals update instantly
Income vs Expenses
Income
Expenses
Spending by Category
RM 0
spent
📝 Log Your Transactions
Set the date to match the selected month above so it appears in the right chart
🔄 Dashboard auto-updates
Add Transaction
Recent Transactions
0 entries
💡 These are sample transactions. Tap ✕ to remove any entry and start with your own data.
No transactions yet. Add one above! 🎯
Financial Tools
Loan & Affordability Calculators

Work out your monthly repayments, how much property you can afford, and the real cost of credit card debt in Malaysia.

🏠 Home Loan Calculator
Calculate your monthly mortgage payment based on Malaysian bank rates. Typical home loan rates range from 3.5%–4.5% p.a.
Monthly Instalment
RM —
💡 In Malaysia, you can borrow up to 90% for your first two properties. First-time buyers may qualify for the MyHome or PR1MA schemes.
🚗 Car Loan Calculator
Malaysian car loans use a flat interest rate system, different from home loans. Typical rates: 2.4%–3.3% p.a. flat.
Monthly Instalment
RM —
💡 Car loans in Malaysia use a flat rate. The effective interest rate is roughly double the flat rate. Consider a shorter tenure to save on interest.
💳 Personal Loan Calculator
Personal loans in Malaysia typically range from 6%–18% p.a. effective rate. Compare before you borrow.
Monthly Instalment
RM —
💡 Before taking a personal loan, check if you qualify for a lower-rate bank loan. Credit card debt at 18% should be cleared before taking new loans.
🎓 PTPTN / Education Loan
Estimate your PTPTN repayments or any education loan. PTPTN charges 1% p.a. service charge (conventional) or 0% for Shariah-compliant.
Monthly Repayment
RM —
💡 PTPTN borrowers who pay consistently can get a 20% discount on their outstanding balance. Full settlement gets you a 15% discount on the total loan.
🔑 Property Affordability
Find out how much property you can realistically afford based on your income and existing commitments. Malaysian banks assess this using your Debt Service Ratio (DSR).

Malaysian first-time buyers get 100% stamp duty exemption on both MOT and loan agreement for properties up to RM500,000 (SPAs executed 1 Jan 2026 – 31 Dec 2027).

Maximum Property Price
RM —
💡 Banks in Malaysia use your net income (after EPF, SOCSO and tax), not gross. Existing commitments include car loans, personal loans, PTPTN and your credit card minimum payments.
💰 Credit Card Repayment
See how long it really takes to clear your credit card debt — and how much interest you'll pay. Bank Negara caps credit card interest at 15%–18% p.a. based on your payment record.
Time to Clear Debt
—
💡 Minimum payment in Malaysia is 5% of your outstanding balance (or RM50, whichever is higher). Interest accrues daily and is charged monthly — so the 18% headline rate actually compounds to a higher effective rate on any balance you carry.
Investment Guide

Where Should Malaysians
Invest Their Money?

A practical, unbiased guide to the most common investment options available to Malaysians — from low-risk savings and stock market investing, to protecting generational wealth through family trusts and wills.

Investment Types
Understand Your Options
Family Trust
🏛️
Family Trust
A legal structure to protect and transfer wealth to future generations. Ideal for estate planning in Malaysia.
Wealth Protection
Will
📜
Will (Wasiat)
A legal document that ensures your assets are distributed to the right people after you pass. Essential for every Malaysian adult.
Estate Planning
EPF
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EPF (KWSP)
Malaysia's mandatory retirement fund. Guaranteed dividend, tax relief on voluntary contributions.
Low Risk
ASB ASN
🌙
ASB / ASN (Amanah Saham)
Government-backed unit trusts. ASB is for Bumiputera, ASN is open to all Malaysians.
Low Risk
Unit Trusts
📦
Unit Trusts
Professionally managed funds investing in a mix of stocks and bonds. Good for beginners.
Medium Risk
ETF
📊
ETFs (Exchange Traded Funds)
Low-cost funds that track an index like the FBMKLCI or S&P 500. Traded on Bursa Malaysia.
Medium Risk
REIT
🏢
REITs (Real Estate Investment Trusts)
Invest in commercial properties and earn rental income as dividends. Listed on Bursa Malaysia.
Medium Risk
Stocks
📈
Bursa Malaysia Stocks
Direct stock ownership in Malaysian companies. Higher potential returns but requires research.
Higher Risk
Retirement Planning
EPF Savings Projector

Project your EPF balance at retirement based on your salary, increment and EPF dividend rate.

🏦 EPF Savings Calculator
Estimate your EPF savings at retirement. Employee contributes 11%, employer 13% (for salary ≤ RM5,000) or 12% (above RM5,000).
Projected EPF at Retirement
RM —
💡 EPF's historical dividend averages ~5.5% p.a. You can withdraw EPF Account 2 to buy a house or fund higher education. Consider voluntary top-up contributions to reduce income tax.
📈
Why Increment Matters
A 5% annual raise means your EPF contributions grow every year. Over 30 years this compounds significantly — even a 1% difference in increment can add tens of thousands to your retirement pot.
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EPF Dividend History
EPF has consistently paid dividends averaging 5–6% p.a. over the past decade. The conservative estimate is 5.5% — use this as your baseline projection.
💡
Boost Your EPF
Make voluntary top-up contributions to EPF — up to RM 4,000/year gets you additional tax relief. Even RM 200/month extra can add significantly to your retirement balance.
Take-Home Pay
Salary & EPF Calculator

Calculate your exact take-home pay after EPF, SOCSO, EIS and PCB (income tax) deductions — based on current Malaysian rates.

💼 Your Details
Enter your monthly gross salary to see your full deduction breakdown.

24/7 personal accident coverage outside work. Phase 1 rate: RM 0.00/month (0.75% of salary, capped at RM6,000). Employee-borne only. Voluntary for local employees from 8 Jul 2026.

Monthly Take-Home Pay
RM —
💡 Fill in your details and click Calculate to see your full breakdown.
🏦
EPF (KWSP)
Employee: 11% of salary. Employer: 13% (salary ≤ RM5,000) or 12% (above). Saved in your retirement account.
🛡️
SOCSO, EIS & Skim LINDUNG 24 Jam
SOCSO covers workplace injuries. EIS provides job loss benefits. Skim LINDUNG 24 Jam is an opt-in scheme offering 24/7 personal accident coverage outside of work.
📋
PCB (Income Tax)
Monthly Tax Deduction (PCB) is an estimate. Actual tax depends on your reliefs claimed in your annual LHDN filing.
Legal
Privacy Policy & Disclaimer
🔒 Privacy Policy

1. Information We Collect

myDuitSensei does not collect, store or transmit any personal data to external servers. All budget and transaction data is stored locally on your device via browser localStorage.

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myDuitSensei is not directed at children under 13. We do not knowingly collect information from children.

7. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be reflected on this page.

⚠️ Financial Disclaimer

myDuitSensei is a financial literacy and educational platform only. We are not a licensed financial advisor, investment manager, legal firm or tax consultant.

All content, tools and guides are for general informational and educational purposes only and do not constitute financial, investment, legal or tax advice.

Always verify figures with official sources:

  • KWSP / EPF — kwsp.gov.my
  • LHDN / IRB — hasil.gov.my
  • Securities Commission — sc.com.my
  • Bank Negara Malaysia — bnm.gov.my

Before making any financial decision, please consult a licensed financial planner, legal advisor or tax professional.

📋 Terms of Use

By using myDuitSensei, you agree to the following terms:

  • You use this site at your own risk. myDuitSensei accepts no liability for financial decisions made based on content found here.
  • All tools and calculators are provided as estimates only. Results may vary from actual figures.
  • You must not use this site for any unlawful purpose.
  • We reserve the right to modify, suspend or discontinue any part of this site at any time without notice.
  • All content on this site is the intellectual property of myDuitSensei unless otherwise stated.

By continuing to use myDuitSensei, you acknowledge that you have read, understood and agreed to these terms.