Guides
Practical money guides for Malaysians. Each one is written to answer a real question and points you to the calculator or lesson that goes with it.
Where to Keep Your Emergency Fund: FD, MMF or ASB?
Your emergency fund needs to be safe and quick to reach before it earns much. How savings accounts, FDs, money market funds and ASB compare.
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Do You Pay Zakat on EPF Savings? What the Fatwas Say
The national fatwa says zakat on EPF is due on withdrawal, at 2.5%, but states set their own rules. What each position says, with examples.
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How to Calculate Zakat on Your Salary in Malaysia
Zakat on income is commonly 2.5%, worked out with or without deductions. The two methods on a salary, the 2026 nisab, and how the tax rebate works.
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i-Saraan: EPF for Gig Workers and Freelancers
No employer paying into your EPF? i-Saraan adds a 20% government match, up to RM500 a year, or RM600 for e-hailing and p-hailing drivers under i-Saraan Plus.
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Do You Need to Declare Side Income to LHDN?
Yes: side income from selling online, freelancing or e-hailing must be declared, even if you end up paying no tax. Which form, deadlines and expenses.
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Is a Voluntary EPF Top-Up Worth It?
Topping up EPF earns the same dividend as your regular savings and can cut your tax. Who benefits most, how the RM4,000 and RM3,000 reliefs work, and limits.
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Malaysian Income Tax Rates for YA 2025 and 2026, Explained
Malaysia's resident tax rates run from 0% to 30% on chargeable income, unchanged for YA 2025 and 2026. The full table, a worked example and common myths.
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Why a Flat-Rate Car Loan Costs More Than It Says
A 3% flat-rate car loan over 9 years costs about 5.5% a year in real terms. How flat rates work, and what the 2026 hire-purchase law changed.
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What Inflation Is Doing to the Money in Your Bank
At 2% inflation, RM10,000 earning 0.25% loses about 16% of its buying power in ten years. What inflation is doing to savings and how to protect them.
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