Make smarter Malaysian money decisions
Track your monthly money, check your salary, EPF and loans, and send professional invoices. Free, with the formula shown.
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Official sources
KWSP · PERKESO · LHDN · BNM
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What do you want to do today?
Pick a starting point. Every tool shows the formula, sources and a printable report.
Track my monthly money
Know what's really free to spend.
Open Money TrackerCheck my take-home salary
After EPF, SOCSO, EIS and PCB.
Open Salary CalculatorGrow my salary & EPF
RM5,000 today, RM6,381 in 5 years.
Open Growth PlannerCompare loans & housing
See the real cost before you borrow.
Compare LoansCreate an invoice or quotation
PDF with your logo and SST.
Create Document11 FREE TOOLS
Built for Malaysian rules
Grouped by what you're trying to figure out.
Work & Salary
Loans & Housing
FOR FREELANCERS & SMEs
Invoices that look as professional as your work.
Quotation, invoice and receipt with SST, discounts and bank details. 5 templates, your logo and colours.
- Free to start
- No login
- Pro RM12.90 once
LEARN
Popular money guides
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.
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.
What is DSR and how Malaysian banks assess affordability
DSR = Total Monthly Commitments / Income. BNM doesn't set one fixed limit — banks apply internal policy.
How hire purchase works in Malaysia
Hire purchase finances a vehicle with a deposit + monthly instalments over a fixed tenure at a flat rate.
How to estimate early settlement for hire purchase
An online estimate is only a guide. Always request an official settlement quotation from your bank.
Start with one calculation
Choose a tool, check the formula, and download or print your result when needed.