Financial Toolkit
Every tool is free. No account needed.
Financial Health Score
Your 0–100 money snapshot in 2 minutes — with your top three fixes.
Start →Zakat Calculator
Savings, gold, business assets — with the current nisab shown clearly.
Start →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 →