Know your money.
Grow your confidence.
Your Financial Health Score in 2 minutes, calculators for every real-life decision, and interactive lessons that make money finally make sense.
No account needed for your first score · No data sold, ever
Your 3.5% car loan is really 6.4%
Malaysian car and personal loans are quoted as flat rates — interest charged on the full amount for the whole term, even on money you've already paid back. On a RM60,000 loan that's RM6,470 extra you were never shown. Takes 10 seconds to check yours.
Every calculator you actually need
Flat Rate Reveal
Your 3.5% car loan is not 3.5%. See what a flat-rate loan really costs you per year.
Open →Am I On Track? (EPF)
Compare your EPF savings against the official Basic Savings benchmark for your age.
Open →Hours of Your Life
Stop thinking in ringgit. See what things cost in hours of work.
Open →The Cost of Waiting
What putting off investing by a few years actually costs you by retirement.
Open →Compound Interest Calculator
See how savings grow over time with compounding — the most important chart in personal finance.
Open →Loan Repayment Calculator
Monthly instalment, total interest, and full cost of any loan.
Open →Savings Goal Planner
How much to set aside monthly to reach any target by any date.
Open →Emergency Fund Calculator
Your personal 3–6 month safety net target, and how long it takes to build.
Open →Debt Payoff Planner
Snowball vs avalanche: payoff date and total interest for your debts.
Open →Budget Analyzer (50/30/20)
Compare your actual spending against the classic benchmark.
Open →Retirement Corpus Calculator
Estimate the nest egg you need and whether your savings rate gets you there.
Open →EPF Calculator
Project your EPF balance at 55 or 60 — contributions, dividends, and what it sustains monthly.
Open →Inflation Impact Calculator
What today's money will really be worth in 10, 20, 30 years.
Open →Financial literacy, one short lesson at a time
36 five-minute lessons across 6 tracks, plus a daily quiz. Earn XP, build a streak, and collect badges — from money basics to investing concepts and Islamic finance foundations.
Why CashDir?
Most financial content is written for people who already understand money. CashDir starts where real life starts: clear tools, honest numbers, and lessons short enough to finish. Educational content only — we will never tell you what to invest in, and we will never sell your data.
Common questions
Is CashDir really free?
Yes. Every calculator, the Financial Health Score, and all lessons are free to use. Calculators need no account at all; creating a free account only adds progress tracking, XP, streaks, and saved net worth history.
Is CashDir financial advice?
No. Everything on CashDir is educational. We explain how things work and give you tools to run your own numbers, but we do not give personalised financial, tax, or religious advice. For decisions that matter, speak to a licensed adviser, or to LHDN or your state zakat authority as relevant.
Is CashDir specific to Malaysia?
The general tools — compound interest, loans, budgeting, inflation — work anywhere. The content is written with Malaysian readers in mind, and several tools are Malaysia-specific, including the EPF projection and the zakat calculator with local nisab references.
What happens to the data I enter?
Calculator maths runs entirely in your browser; the figures you type are never sent to us. We store a Financial Health Score result so we can report anonymous aggregate trends, and we never sell data to anyone.