Property Calculators Malaysia
Everything you need to work out the money side of buying, holding and selling property in Malaysia — 19 live now, more on the way. Free, no sign-up.
Loan
House Loan
Monthly instalment, total interest and full repayment for any Malaysian home loan.
Amortization Schedule
See how much of every instalment goes to interest and how much pays down the loan.
Interest Savings
What paying extra each month does to your total interest and your payoff date.
Full-Flexi vs Semi-Flexi
Compare both flexi loan types once fees and parked cash are counted.
Refinance Savings
Whether refinancing wins after legal fees, stamp duty and valuation.
Early Settlement
What you still owe if you settle the loan early, month by month.
How much can I borrow
Cost of buying
Stamp Duty & Legal Fee
MOT stamp duty, loan stamp duty and SRO 2023 legal fees, with first-home exemption.
Total Buying Cost
Every ringgit of cash you need before you get the keys.
Renovation Cost
Contractor-rate renovation estimate by size and scope.
Rent vs Buy
Which one leaves you better off over the years you plan to stay.
Investment
Selling
Insurance
Why work the numbers out before you buy
The purchase price is only part of what a Malaysian property costs you. Stamp duty on the transfer and on the loan, legal fees on both documents, a valuation the bank insists on, fire insurance, and — if you take it — mortgage insurance all land before you get the keys. Once you own it, the monthly instalment, maintenance and quit rent decide whether the place pays for itself. And when you sell, Real Property Gains Tax takes a slice of the gain depending on how long you held it.
These calculators put each of those numbers in front of you before you commit, using Malaysia's current rates. Start with the one that matches where you are: working out what you can borrow, budgeting the cash you need to complete a purchase, or checking what a sale would leave you with.