Make smarter Malaysian money decisions
Track your monthly money, and calculate salary, EPF, loans, housing, hire purchase and invoices with clear formulas, source-aware logic and printable reports.
What do you want to calculate today?
Pick a starting point. Every tool shows the formula, sources and a printable report.
Track my monthly money
Log income, loans and savings — see what's really free to spend.
Open Money TrackerCheck my take-home salary
See your net salary after EPF, SOCSO, EIS and PCB.
Open Salary CalculatorProject my salary & EPF growth
See how your income and future savings can grow over time.
Open Growth PlannerCompare loan repayments
Understand flat rate, reducing balance, housing and hire purchase.
Compare LoansCreate an invoice or quotation
Generate a clean Malaysian business document with print/PDF.
Create DocumentCalculator tools
Built for Malaysian rules. Grouped by what you're trying to figure out.
Work & Salary
Salary Calculator Malaysia
Gross to net take-home pay with EPF, SOCSO, EIS and PCB.
Open toolMoney Tracker
Track income, loans, bills and savings goals with ASB-style dividends.
Open toolSalary Growth Calculator
Project your salary 1–20 years with promotions and raises.
Open toolEPF Growth Calculator
Project your KWSP / EPF retirement savings year by year.
Open toolEPF / SOCSO / EIS Calculator
Statutory contributions for employees and employers.
Open toolLoans & Housing
Personal Loan Calculator
Flat rate vs reducing balance, monthly instalment and total cost.
Open toolHousing Loan Calculator
DSR, stress test, amortisation and pay-faster simulation.
Open toolHire Purchase Calculator
Flat-rate HP with effective rate (IRR) and early settlement.
Open toolPopular Malaysian money guides
Simple explanations for salary, EPF, loans, housing and invoices.
How to use the KiraBoss Money Tracker
Add income, add commitments, set savings goals — then read your loan load, savings rate and coach tips.
How to calculate take-home salary in Malaysia
Gross pay minus EPF, SOCSO, EIS, PCB and other deductions equals your monthly take-home.
EPF, SOCSO and EIS explained for Malaysian employees
EPF is retirement savings. SOCSO covers workplace injury. EIS covers loss of employment.
How much will my salary grow in 5 years?
At 5% annual growth, RM5,000 becomes ~RM6,381 in five years. Promotions accelerate this further.
Flat rate vs reducing balance loan calculation
Flat rate charges interest on the original loan each year. Reducing balance charges on the outstanding amount.
How to calculate car loan instalment in Malaysia
Most Malaysian car loans use flat rate. Instalment = (Loan + Interest) / Months.
Start with one calculation
Choose a tool, check the formula, and download or print your result when needed.