Universal Calculator
Free, accurate calculators for loans, salary, tax, investment, and currency — built for Malaysia and Singapore.
🇲🇾 Malaysia Calculators
Housing Loan
Calculate conventional and Islamic housing loans with stamp duty and legal fees
Personal Loan
Compare flat rate vs reducing balance personal loans
Car Loan
Calculate hire purchase car loans with effective rate comparison
Salary Calculator
PCB 2026 — EPF, SOCSO, EIS, income tax with bonus, zakat & non-resident support
Stamp Duty & Legal Fees
Calculate Malaysian property stamp duty and legal fees
RPGT / Selling Fee
Real Property Gains Tax by holding years, seller type, and state-specific notes
Property Price Guide
NAPIC median transacted prices by state, property type and year — with PSF and trend history
DSR Calculator
Check your Debt Service Ratio and loan affordability (BNM 70% guideline)
Income Tax (LHDN)
Calculate personal income tax with all 2024/2025 reliefs
🌐 Universal Tools
Why Universal Calculator?
Region-Specific Accuracy
Formulas follow Malaysian BNM / Singapore MAS guidelines, official tax brackets, and statutory contribution rules
Secure & Private
No personal data stored. All calculations run securely server-side with input validation and rate limiting
Detailed Breakdowns
Amortization schedules, tax bracket tables, contribution splits, and interactive investment charts
Multi-Country
Switch between Malaysia (EPF, SOCSO, LHDN) and Singapore (CPF, IRAS, ABSD) with one tap
Disclaimer: All results are estimates for informational purposes only. Actual rates, contributions, and fees may vary. Please consult a licensed financial advisor or your bank for accurate quotations. This tool does not constitute financial advice.