Senarai Kalkulator Malaysia 2026

Malaysian severance and termination benefit calculator. Compare both daily-rate bases and see how much is taxable.

Bonus bersih selepas KWSP dan PCB marginal. PERKESO dan SIP tidak dipotong daripada bonus tahunan.

Kira gaji bersih selepas potongan EPF 11%, SOCSO, EIS dan anggaran PCB. Untuk pekerja swasta & kakitangan awam.

Kadar gaji minimum terkini RM1,700/bulan — kiraan sejam, sejarah kenaikan, hak pekerja, dan cara aduan JTK.

Malaysia minimum wage RM1,700/month for all employers since Feb 2024. Hourly rate RM8.17, net take-home ~RM1,501, employer obligations & JTK complaint guide.

Jadual tarikh gaji penjawat awam 2026. Jan 22, Feb 12, Mac 16, Apr 20, Mei 21, Jun 25. Sumber JANM rasmi.

Jadual gaji SSPA semua gred. Gaji minimum RM1,795, guru DG41 RM3,200–5,500, N41 RM3,200–6,000. Fasa 2 Jan 2026.

Bantuan Khas Kewangan (BKK): RM500 untuk Gred 15 ke bawah, RM250 untuk pesara. Kelayakan penuh mengikut surat edaran JPA.

Kira Ganjaran Cuti Rehat (GCR) berdasarkan gaji pokok dan baki cuti. Had 75–90 hari, pengecualian cukai RM10,000.

Kira anggaran gratuiti tamat perkhidmatan kerajaan berdasarkan tempoh perkhidmatan dan gaji pokok.

Average salary Malaysia by occupation, sector & state. Median RM2,793/mo — sourced from DOSM 2024 official data.

Fresh grad to senior pay breakdown. Median RM4,231/mo (Info & Comm). Remote USD/SGD roles, career progression.

ACCA, CPA, Big 4 vs commercial. Median RM4,483/mo. Fresh grad to CFO progression with take-home calculator.

KKM U29-U48 vs hospital swasta. Median RM3,610/bulan. Elaun kritikal, shift, peluang overseas (SG/UK).

Skim DG41–DG54 kerajaan, sekolah swasta, international school. Median RM3,677/bulan.

Degree mean RM6,114, Diploma RM3,414. Starting pay by course: Medicine, IT, Engineering, Business, Law.

Houseman RM3,700, MO RM5,000-7,500, Specialist RM12,000-30,000. Government vs private hospital.

Pupil RM3,500-5,000, Associate RM6,000-12,000, Partner RM20,000-80,000+. Tier 1 vs mid-tier firms.

Cadet RM4,000-6,000, First Officer RM8,000-15,000, Captain RM18,000-35,000. MAS, AirAsia, ME carriers.

Analyst RM4,500-7,000, Data Scientist RM7,000-14,000, Lead RM15,000-25,000+. Remote USD roles.

Fresh grad RM3,500-5,000, mid RM6,500-10,000, senior RM10,000-18,000. Penang semiconductor premium.

Fresh grad RM2,800-4,000, Ir. P.E. RM6,000-10,000, PM RM15,000-25,000. Consultant vs contractor.

PETRONAS RM4,000-5,500, MNC RM3,500-4,500, Senior RM10,000-16,000. O&G, HVAC, manufacturing.

Teller RM2,200-3,200, Personal Banker RM3,500-5,500, RM RM6,000-15,000+. Maybank, CIMB, HLB.

Exec RM2,800-4,500, Manager RM7,000-12,000, Head RM15,000-30,000+. Digital vs brand marketing.

HR Exec RM2,800-4,500, Manager RM7,000-12,000, Director RM15,000-30,000+. HRBP, C&B, L&D.

PRP RM2,700-3,200, Government UF41 RM4,700-7,500, Retail RM4,500-8,000, Industry RM5,500-12,000.

Konstabel RM1,441, Sarjan RM2,300, ASP RM3,800, Supt RM6,800. Jadual lengkap + elaun khas.

Prebet RM1,441, Sarjan RM2,300, Kapten RM4,200, Mejar RM6,500, Kolonel RM10,000+. TD/TUDM/TLDM.

Jadual gaji guru SSPA: DG29 RM2,367, DG41 RM3,200–5,500, DG54 RM8,000+. Kenaikan Fasa 2 Januari 2026. Bandingkan semua gred.

Pinjaman gaji Maybank: hingga RM200,000, kadar dari 4.5%, gaji min RM3,000. Bandingkan dengan CIMB, Public Bank, Agrobank.

CIMB Cash Plus: pinjaman hingga RM150,000, kadar 4.88%, gaji min RM2,000, kelulusan 24 jam. Bandingkan dengan Maybank, RHB, Agrobank.

Cara semak slip gaji online — portal HRMIS, e-gaji MARA, ATM. Panduan langkah demi langkah semua jabatan kerajaan.

Jadual gaji Pembantu Tadbir N17 SSPA. Mulai RM1,795, kenaikan tahunan RM80–120. Panduan tangga gaji dan kenaikan pangkat.

Gaji Pegawai Tadbir & Diplomatik (PTD) N41 SSPA. Mulai RM3,200, naik ke N44–JUSA. Jadual tangga gaji lengkap.

Jadual gaji kakitangan MARA & cara semak e-penyata gaji di egaji.mara.gov.my. Tarikh gaji MARA 2026.

Gaji guru pelatih DG9 SSPA ~RM2,100. Tangga gaji DG9 ke DG11, laluan naik ke DG29/DG41. Panduan kerjaya guru.

Formula pencen 1/600 × gaji akhir. Min pencen RM1,200/bulan. BPRM RM500/tahun. Cara semak di MyPencen.

Cara login SOCSO PERKESO di portal.perkeso.gov.my. Semak caruman, buat tuntutan, muat turun penyata. Kadar caruman 2026.

Adakah LINDUNG 24 Jam boleh ganti insurans kemalangan peribadi? Perbandingan 9 faktor — kos, liputan luar negara, penyakit.

Beza LINDUNG 24 Jam dengan SOCSO biasa. Majikan bayar 1.75%, pekerja 1.25%. Satu lindung semasa kerja, satu di luar waktu kerja.

Kira potongan SKBBK mengikut jadual rasmi 65 band PERKESO — bukan 0.75% terus. Maksimum RM44.65/bulan. Jadual caruman penuh.

Tarikh akhir 31 Ogos 2026. Potongan maksimum RM44.65/bulan mengikut jadual rasmi PERKESO. Cara hantar notis + 6 faedah yang hilang.

Versi Bahasa Malaysia panduan gaji — median RM2,793/bulan. Data DOSM 2024 mengikut pekerjaan, industri & negeri.

Gaji median SGD 5,700 (≈RM17,670). Employment Pass, S Pass, Work Permit. Commuter JB ke SG. CPF explained.

Jadual tukar gaji SGD ke RM — SGD 3,000=RM9,300, SGD 5,000=RM15,500, SGD 10,000=RM31,000. Kadar tukaran terkini.

Kalkulator tukar Ringgit Malaysia ke Dolar Singapura. Kadar SGD 1 = RM 3.10 (anggaran). Sejarah kadar & tips pertukaran wang.

Kalkulator tukar Ringgit ke Dolar Amerika. USD 1 = RM 4.45 (anggaran). Jadual tukaran + tips tukar wang USD murah di Malaysia.

Kalkulator tukar Ringgit ke Yen Jepun. JPY 100 = RM 2.95 (anggaran). Tips wang untuk travel ke Jepun dari Malaysia.

Kalkulator tukar Ringgit ke Baht Thailand. THB 1 = RM 0.13 (anggaran). Budget travel Bangkok, Phuket, Hatyai dari Malaysia.

Kalkulator tukar Ringgit ke Dolar Australia. AUD 1 = RM 2.85 (anggaran). Kos pelajar Malaysia di Australia + tips hantar duit.

Perbandingan kos sewa, makanan, pengangkutan SG vs MY. Adakah gaji SG berbaloi? Break-even calculator.

Kira kos commute harian JB-SG — bas CW Link RM8/hari, kereta RM35/hari, RTS Link 2026. Bandingkan jimat tinggal JB vs SG.

Panduan lengkap commuter JB-SG. Kawasan terbaik, sewa RM800–1,800, jimat RM5,000+/bulan vs tinggal SG. RTS Link 2026.

IT Manager RM6,000–12,000, Senior RM10,000–18,000, Head of IT RM15,000–30,000+. Info & Comm sector DOSM 2024.

Govt dental officer RM3,000–6,500, private associate RM5,000–15,000, own clinic RM15,000–40,000+. Govt vs private breakdown.

Graduate architect RM2,500–4,000, Licensed Architect RM5,000–10,000, Principal RM15,000–30,000+. LAM registration guide.

Finance Manager RM7,000–12,000, Financial Controller RM15,000–25,000, CFO RM25,000–60,000+. ACCA/CPA career path.

Elaun perjalanan kakitangan awam: RM0.60/km (≤200km), RM0.30/km (>200km). Kalkulator & contoh kiraan.

Jadual gaji Guru Cemerlang / Pengetua — RM6,615 to RM15,494 + tunggakan 6 bulan.

Swasta 4.5-5.5% (Mercer), IT 6-10%. Kerajaan SSPA Fasa 2 +7% / +3%. Strategi negotiate.

Kalkulator tukar Ringgit ke Yuan China (Renminbi). CNY 1 = RM 0.615 (anggaran). Tips bayar Alipay, WeChat Pay, UnionPay di China.

Kalkulator tukar Ringgit ke Won Korea. KRW 1,000 = RM 3.20 (anggaran). Rujukan harga Seoul, Busan untuk travel Korea.

Kalkulator tukar Ringgit ke Dolar Taiwan Baru (NT$). TWD 1 = RM 0.137 (anggaran). Visa-free 90 hari — trip Taiwan dari Malaysia.

Kalkulator tukar Ringgit ke Euro. EUR 1 = RM 4.90 (anggaran). Jadual tukaran + tips tukar wang EUR untuk travel Europe dari Malaysia.

Kalkulator tukar Ringgit ke Pound Sterling UK. GBP 1 = RM 5.65 (anggaran). Jadual tukaran + tips tukar wang GBP untuk travel UK.

All EPF/KWSP calculators in one place — contribution (11%+13%), retirement projection, dividend 6.30% (2024), Akaun 3 withdrawal. Malaysia's most complete EPF hub.

Salary → EPF employee 11%, employer 13%/12%, SOCSO 0.5%/1.75%, EIS 0.2%. See take-home pay and employer total cost. Reference table RM1,500–RM10,000.

Kira potongan KWSP (11%), SOCSO dan EIS daripada gaji. Semak caruman majikan (13%/12%) dan gaji bersih. Jadual rujukan lengkap dalam Bahasa Malaysia.

Kira pencen bulanan, ganjaran & GCR untuk persaraan pilihan JPA. Semak kelayakan umur 40 + 10 tahun perkhidmatan. Formula JPA rasmi.

Kira pencen, ganjaran & faedah persaraan kakitangan awam Malaysia. Semak semua jenis persaraan JPA: wajib, pilihan, kesihatan & gratuiti sahaja.

Kira pencen, ganjaran & GCR untuk persaraan wajib kakitangan awam Malaysia pada umur 58. Formula JPA rasmi untuk semua gred.

Kira faedah persaraan atas sebab kesihatan kakitangan awam Malaysia. Semak kelayakan (min 10 tahun), pencen penuh, ganjaran & proses permohonan.

Projek baki KWSP anda pada persaraan. Analisis jurang, 3 akaun KWSP, purata baki Malaysia vs sasaran selesa RM1 juta. Sektor swasta + kakitangan kontrak.

Kira jam antara dua masa, tambah/tolak masa dan jumlah timesheet mingguan. Waktu kerja normal Malaysia 45 jam seminggu.

Apa kesan Belanjawan pada duit anda - cukai, KWSP, subsidi, gaji minimum dan bantuan penjawat awam, dengan kalkulator untuk kira sendiri.

Senarai lengkap pelepasan cukai individu — diri, anak, KWSP, insurans, perubatan, gaya hidup, dan cara maksimumkan.

Calculate income tax for part-time workers, freelancers and students in Malaysia.

Calculate EPF contributions, project retirement savings, and see Account 1 & 2 breakdown.

Kira potongan cukai berjadual (PCB) bulanan daripada gaji anda.

Calculate net salary after EPF, SOCSO, EIS, and PCB deductions. See your take-home pay instantly.

Kira gaji baharu SSPA untuk penjawat awam. Lihat kenaikan Fasa 1 & 2, KGT mengikut gred.

Kira pencen bulanan, ganjaran & GCR. Formula JPA terkini dengan pelarasan SSPA 2026.

Adakah berbaloi bersara awal? Bandingkan pencen bersara pilihan vs mandatori.

Kira impak kenaikan gaji SSPA 2026 & sektor swasta. Semak gaji bersih selepas EPF dan cukai.

Kira bayaran OT mengikut Akta Pekerjaan 1955. Kadar 1.5×, 2.0×, 3.0×.

Semak kelayakan dan kira jumlah bantuan STR & SARA 2026. Masukkan pendapatan dan bilangan anak.

Kira pakej pemisahan sukarela, bandingkan minimum undang-undang & pengecualian cukai RM10k/tahun.

Calculate how much dividend you lose by withdrawing from EPF Akaun Fleksibel. See the true cost of early withdrawal.

Kira gaji PDRM dan ATM selepas SSPA 2026. Semak gaji mengikut gred, elaun, dan gaji bersih.

Calculate Sales & Service Tax (SST). Add or extract 8%, 6%, 10% and 5% SST from prices.

Estimate income tax as a self-employed freelancer in Malaysia. Includes expense deductions and EPF relief.

See your actual take-home pay after a salary increment. Calculates EPF, SOCSO and income tax impact.

Kira caruman SOCSO & EIS mengikut had gaji RM6,000 (dinaikkan daripada RM5,000, 1 Okt 2024). Kadar pekerja & majikan mengikut kategori.

Calculate if settling your car loan early saves money. See penalties, interest savings & get recommendations.

Calculate car loan monthly payment and total interest for hire purchase.

Maksud loan kedai motor dan berapa lebih mahal berbanding kadar tersiar AEON Credit.

3 cara sah beli motor tanpa slip gaji, termasuk pilihan 0 deposit.

Semak CCRIS percuma dahulu, kemudian bandingkan pilihan yang benar-benar terbuka.

Kadar dari 0.833% sebulan, syarat kelayakan, cara semak baki dan bayar.

AEON Credit rates from 0.833% per month. Compare monthly instalments across 9 popular models.

Kira ansuran bulanan motor. Kadar dari 0.833% sebulan, tempoh sehingga 84 bulan.

Monthly instalment for the Modenas Kriss 110 at 10% deposit, tenures to 84 months.

Y15ZR monthly instalment, deposit and total interest by tenure.

Y16ZR monthly instalment and loan kedai vs AEON Credit comparison.

LC135 Fi monthly instalment by deposit and tenure.

NVX155 monthly instalment, total interest and tenure comparison.

Vario 160 monthly instalment across 12 to 84 month tenures.

Nova 125, 160 and 200 monthly instalments compared.

Ego Avantiz 125 monthly instalment and deposit breakdown.

SM Sport 110E monthly instalment by deposit and tenure.

Wave Alpha 110 monthly instalment and total interest by tenure.

Kriss 125 monthly instalment, deposit and loan kedai comparison.

RS-X150 monthly instalment across 12 to 84 month tenures.

Vario 125 monthly instalment and SPayLater comparison.

Z15GT monthly instalment, total interest and eligibility.

Monthly instalment for Proton Saga, S70, X50, X70. Hire purchase from 2.30% p.a. Select model & calculate instantly.

Monthly instalment for Perodua Myvi, Axia, Bezza, Ativa, Alza. Hire purchase from 2.30% p.a. Starts from RM292/mo.

Kira ansuran bulanan pinjaman kereta. Kadar hire purchase Maybank dari 2.40% p.a. Kereta baharu & terpakai.

Maybank hire purchase from 2.30% p.a. (new), 2.70% (used), 1.75% (EV). Calculate monthly instalment & compare banks.

Monthly instalment for Toyota Vios, Veloz, Corolla Cross, Hilux, Fortuner. Hire purchase from 2.30% p.a. HEV green rate from 1.75%.

Monthly instalment for Honda City, Civic, HR-V, CR-V e:HEV. Hire purchase from 2.30% p.a. — hybrid green rate from 1.75%.

Creta, Tucson, Santa Fe, Ioniq 5 monthly instalment. Hire purchase from 2.40% — EV green rate from 1.75%.

Monthly instalment for Nissan Almera, X-Trail, Navara, Serena. Hire purchase from 2.40% p.a. — e-POWER green rate from 1.75%.

Triton, Xpander, XForce monthly instalment. Malaysia's best-selling pickup. Hire purchase from 2.40% p.a.

CX-5, CX-30, CX-60 PHEV, Mazda 3 monthly instalment. Rates from 2.30% p.a. — PHEV green financing from 1.75%.

3 Series, 5 Series, X3, X5. Hire purchase from 2.50% — PHEV green rate from 1.75%.

Atto 3, Dolphin, Seal, Sealion 7. All BYD EVs qualify for green hire purchase rate from 1.75% p.a.

Sportage, Carnival, EV6 monthly instalment. Hire purchase from 2.40% — EV green rate from 1.75%.

Kira ansuran bulanan pinjaman rumah, jumlah faedah dan DSR. Kadar dari 3.85% p.a. Percuma & pantas.

Find out if settling your housing loan early makes financial sense. Calculate savings, penalties & get recommendations.

Calculate monthly instalment, total interest, and upfront costs for housing loans.

Calculate monthly payment, total interest, and check DSR eligibility for personal loans.

Calculate combined loan eligibility for couples & co-borrowers

Check how much housing loan you qualify for based on DSR

Calculate savings by consolidating high-interest debts. Compare rates from 15+ banks.

Kira penjimatan dengan gabungkan hutang faedah tinggi. Bandingkan kadar dari 15+ bank.

Kira bayaran bulanan dan semak kelayakan DSR untuk pinjaman peribadi.

Calculate your Debt Service Ratio and check loan eligibility instantly.

Semak kelayakan pinjaman perumahan LPPSA kakitangan awam. Kadar 4% tetap, margin 100%, had RM1 juta.

Compare Maybank and CIMB personal loan rates, fees, and eligibility.

Harga SPNB dari RM75,000 (subsidi RM20k). Ansuran RM300/bulan, 3 bilik tidur, 750 kaki persegi. Semak syarat & cara mohon.

Snowball vs Avalanche — kira strategi terbaik untuk bayar hutang dan bebas hutang lebih cepat.

Full comparison: Public Bank 3.99% flat vs CIMB 4.38% vs Maybank 6.50–8.00%. Ranked by rate, min income & max amount. Find the lowest interest rate personal loan.

3.99% flat p.a. — Malaysia's lowest major-bank personal loan rate. Min salary RM1,500/mo. Max RM150,000 over 10 years. BAE AG / BAE-i Islamic.

Rate from 6.50% p.a. (RM50k–100k). Calculate monthly instalment for Maybank Personal Loan / Financing-i. Max RM100,000, 2–6 years, min salary RM3,500.

Lowest rate from 3.42% p.a. for civil servants (penjawat awam). Max RM400,000, 10 years, Islamic financing-i via BPA salary deduction.

BSN MyRinggit-i for civil servants. Rate from 4.60% p.a., max RM400,000, 10 years, min salary RM1,500. Islamic profit rate on reducing balance.

Calculate early settlement amount using Rule of 78. See interest rebate and how much you save by settling your personal loan early.

CIMB Cash Plus dari 4.38% flat (kelulusan 24 jam), Bank Rakyat sehingga RM400k, BSN MyRinggit-i dari 6.00%, Maybank 6.50–8.00%. Gaji minimum RM2,000.

Jadual amortisasi penuh pinjaman perumahan — pecahan faedah vs prinsipal setiap bulan dan penjimatan bayaran tambahan.

Kalkulator dua hala: harga rumah ikut gaji, atau gaji diperlukan ikut harga rumah. Termasuk tunai pendahuluan penuh.

Kira jumlah kos beli rumah — bayaran pendahuluan + duti setem + guaman + MRTA + penilaian. Pembeli pertama exemption ≤RM500k.

Calculate how much you can save by refinancing your home loan. Compare rates from 15+ banks.

Kira penjimatan refinance pinjaman perumahan anda. Bandingkan kadar dari 15+ bank.

Semak kelayakan PR1MA, MyHome, RUMAWIP, Rumah Selangorku & SJKP dalam satu kalkulator.

Kira duti setem MOT, duti pinjaman, fi guaman. Termasuk pengecualian rumah pertama.

Kira gross dan net rental yield hartanah. Kos penyelenggaraan dan tempoh pulang modal.

Calculate quit rent for Selangor and all states. Check rates, deadlines, and pay online.

KL (Wilayah Persekutuan) cukai tanah rates ~RM0.035/sq ft. Deadline: 28 Feb. Pay via ptgwp.gov.my or MyEG.

Johor cukai tanah rates ~RM0.025/sq ft untuk kediaman. Deadline: 31 Mei. Bayar di ptgj.johor.gov.my. Semua daerah — JB, Kulai, Batu Pahat, Pontian.

LPPSA 3.85% vs bank 4.0–4.85% — perbandingan ansuran, kelayakan, kos guaman. Mana lebih murah untuk kakitangan awam?

Kadar faedah LPPSA 2026: Fixed 3.85%, Floating 4.0%. Jadual kelayakan mengikut gred dan gaji.

Calculate Real Property Gains Tax (RPGT) on property sales. Rates for citizens, PRs, foreigners and companies.

Total cost to buy property — stamp duty, RPGT, legal fees, agent commission. LHDN + SRO 2023 data.

Official lawyer fee scale per Solicitors Remuneration Order 2023 — 1% to 0.5% tiered + 8% SST.

MyHome RM30k subsidy, SRP 100% financing, PR1MA, stamp duty exemption till Dec 2027.

Panduan lengkap beli rumah pertama — 7 langkah, kos tersembunyi, deposit EPF, PR1MA & MyDeposit.

Should you rent or buy a home in Malaysia? Compare total costs including stamp duty, mortgage, property appreciation and break-even point.

Calculate MOT stamp duty, loan agreement duty, legal fees and total upfront cost for property purchase. First-time buyer 100% exemption on homes up to RM500,000.

Beli atau sewa — mana lebih berbaloi? Kira kos 10 tahun, ekuiti, stamp duty dan titik pulang modal. Versi Bahasa Malaysia.

Complete quit rent guide: all 16 states, residential rates RM0.018–0.035/sq ft, deadline 31 May (28 Feb for WP). Calculators for Selangor, KL, Johor.

Panduan lengkap cukai tanah Malaysia: kadar semua 16 negeri, tarikh akhir 31 Mei, cara bayar online via PTG, MyEG & JomPAY. Versi Bahasa Malaysia.

Kira kaki persegi rumah, bilik atau tanah. 1 meter persegi = 10.7639 kaki persegi. Termasuk harga per kaki persegi.

Target simpanan umur 30 = 1× gaji tahunan, umur 40 = 3×, umur 50 = 6×. Kalkulator interaktif semak status simpanan anda.

AHB dividen 5.00% p.a. Had RM1 juta — lebih tinggi daripada ASB RM300k. Cara beli di Maybank, AmBank, Bank Islam.

Main Account 2% p.a. daily, Bonus Pocket up to 4% p.a. (promo), FlexiCredit from 3.78% p.a. Calculator + comparison vs Boost Bank & FDs.

GX Bank Bonus Pocket 3.55% (PIDM) vs Moomoo Cash Plus up to 5% + stocks. Digital bank vs investment platform.

Cara keluarkan wang EPF Akaun 3, baki minimum RM50, cara transfer dari Akaun Persaraan. Pengeluaran 3 hari bekerja.

Panduan lengkap cara melabur ASB online — 5 langkah via Maybank2u, CIMB Clicks & myASNB. Dividen 5.75% (2024), minimum RM10. ASB Ria robo-adviser.

Kira dividen & keuntungan pembiayaan ASB. Kadar terkini 5.75%. Bandingkan ASB vs FD.

Is FSMOne legit? SC-regulated, 0% unit trust, Bursa + LSE + NYSE. Full review & fees.

Bursa fee 0.05% vs 0.03% — comparison table, who wins for stocks & unit trusts.

FSMOne 0% fee vs StashAway 0.8% p.a. — cost comparison & verdict.

IBKR blocks Bursa for Malaysians — why FSMOne wins for local investors.

Webull 0.025% US stocks vs FSMOne 0.08% — which is right for you?

Phillip Capital vs iFAST — Bursa 0.1% vs 0.05%, 26 exchanges vs 4.

Real estate investment trust Malaysia — yields 4.4%–8.7%, cara beli, cukai 2026.

Ranking REIT Bursa — KLCC, IGB, Sunway, Axis, Sentral. Yield hingga 8.7%.

Kira pendapatan dividen REIT anda — yield, pendapatan tahunan & suku tahun.

Dividen Maybank terkini 31 sen — sejarah, ex-date, record date & yield 5.97%.

Cara buka akaun CDS — yuran ~RM10, app Bursa Anywhere, beza CDS langsung vs nominee.

Wajib untuk beli saham Bursa. Yuran ~RM10, buka via Bursa Anywhere. Direct CDS vs nominee dijelaskan.

证监会持牌 eCMSL/A0397/2024，但不受 PIDM 保障。附冒充 moomoo 诈骗的辨别方法。

Panduan pemula — dari buka akaun broker hingga terima dividen REIT. Modal dari RM100.

Perbandingan 9 broker — FSMOne 0.05%, Moomoo 0.03%, Webull RM2.50 min. Unit trust & CDS.

Beli 900+ dana pada 0% sales charge di FSMOne vs bank 3–5.5%. Public Mutual, Principal & lebih.

Top performing funds — Public U.S. Equity +39.01%, Public Worldwide +20.08%. Buy at 0% sales charge.

ASB dividen 5.75% (modal dijamin, Bumiputera sahaja) vs unit trust — pulangan, risiko & kelayakan.

Semua kalkulator ASB, perbandingan ASNB vs FD vs KWSP, dan panduan pelaburan Bumiputera di satu tempat.

ASNB = pengurus dana (PNB); ASB = nama dana spesifik Bumiputera. Panduan lengkap semua dana ASNB & cara melabur.

ASB 5.75% vs kadar FD promosi terbaik. Perbandingan risiko, fleksibiliti & pulangan — ASB menang untuk Bumiputera.

ASB 5.75% vs EPF 6.30% (2024). Verdict: EPF dahulu (caruman majikan 13% = duit percuma), kemudian maksimakan ASB.

Wahed (halal robo-advisor, ESA ~4%+) vs moomoo (broker saham global, IPO). Perbandingan fee, produk & kegunaan.

0% unit trust sales charge on 900+ funds, SC licensed. Review + all FSMOne vs comparisons in one place.

Best broker Malaysia: FSMOne (unit trusts), moomoo (Bursa/IPO 0.03%), IBKR (US-only). Winner by use case.

FSMOne IS iFAST Capital Sdn. Bhd. — the retail brand of iFAST's Malaysian platform. SC licence CMSL/A0260/2009.

Both 0% sales charge. Endowus has institutional DFA funds. FSMOne has stocks + 900+ funds + 0% platform fee.

16 ETF di Bursa Malaysia termasuk 8 Shariah i-ETF. TER dari 0.14%. RSP 0% via FSMOne.

Step-by-step panduan beli ETF Bursa — one-time atau RSP bulanan 0% fee via FSMOne.

ETF TER 0.14% vs unit trust 1–2% p.a. — kos, pulangan & kesesuaian pelabur Malaysia.

MGS yield 3.55–3.58%, sukuk & bon korporat — beli dari RM1,000 melalui FSMOne.

ASB 5.75%, REIT 4–8%, FD 3.8%, GXBank 4% — panduan lengkap 8 kaedah pasif income di Malaysia. Kira modal untuk RM1,000/bulan.

Dividen ASB 2024: 5.75%. Kadar pembiayaan ASB dari 4.00% (BSN). Adakah pembiayaan ASB berbaloi? Kira spread bersih.

FBM KLCI yield 4.51% — build passive income from Bursa dividend stocks. Zero tax on dividends.

Senarai saham dividen Bursa — Gas Malaysia 7.2%, Berjaya Auto 7.6%, Maybank 5.9%. Bebas cukai.

Live 916 & 999 gold price in Malaysia today. Calculate gold value and investment return. Updated from global spot market.

Kira pertumbuhan wang dengan faedah kompaun. ASB, EPF, FD, saham preset.

Kira faedah FD bulanan dan maturity. Bandingkan kadar bank Malaysia.

Kira simpanan TH & kesediaan Haji. Dividen 2025: 3.50%. Termasuk EPF withdrawal RM10k.

Calculate your Financial Independence Retire Early number. Find out when you can retire based on savings rate and investments.

Tuntut RM2,000 saham percuma dengan referral code moomoo Malaysia. Cara daftar dan claim bonus langkah demi langkah.

Refer friends to Webull Malaysia and earn up to RM500 in NVDA shares. SC-licensed, US stocks, ETFs, fractional shares from RM1.

Kira nilai bersih kewangan anda — jumlah aset tolak liabiliti. Bandingkan dengan sasaran mengikut umur dan pendapatan.

Kira berapa banyak dana kecemasan yang anda perlukan berdasarkan perbelanjaan bulanan dan jenis pekerjaan.

Tukar BTC ke MYR dengan harga langsung. Kira keuntungan pelaburan Bitcoin.

Tukar ETH ke MYR. Termasuk kalkulator staking ETH.

Kira untung/rugi crypto termasuk fi Luno. BTC, ETH, SOL, BNB, XRP.

Semak sama ada keuntungan crypto dikenakan cukai di Malaysia.

Kira purata harga beli crypto (Dollar Cost Averaging).

Bandingkan Bitcoin vs ASB — risiko tinggi vs rendah. Kira pulangan unjuran.

Kira nilai gadaian emas Ar Rahnu. Bandingkan Bank Muamalat, Agrobank, YAPEIM & Bank Rakyat.

Calculate net profit from Bursa Malaysia stock trades. Includes brokerage, clearing fee & stamp duty. Compare moomoo 0% vs other brokers.

Calculate average share cost when buying at multiple prices. DCA & average down for Bursa Malaysia stocks.

Calculate US dividend withholding tax (WHT) for Malaysian investors. 30% vs 15% W-8BEN rate under US-Malaysia DTA.

Compare Bursa Malaysia trading fees across all brokers. moomoo 0% vs Rakuten, Maybank, CIMB, RHB side by side.

Review StashAway Malaysia — fee 0.2–0.8%, pulangan hingga 23.4% (2025), SC berlesen. Simple 3.55% p.a. Adakah berbaloi?

Review Wahed Invest Malaysia — pelaburan halal dari RM10, ESA 4%+ p.a., $3B AUM global. Kod YINOOI1.

StashAway vs Wahed — perbandingan fee, pulangan, Shariah. StashAway Simple 3.55% vs Wahed ESA 4%+.

Bank digital Islam pertama Malaysia. Savings Pot 3% p.a., tiada baki min, PIDM RM250k. Kod AB572574.

Moomoo SC berlesen (Bursa+US), Webull untuk US stocks. Perbandingan fee, pasaran, keselamatan.

Moomoo 0 komisyen vs Rakuten Trade RT Points rewards. Kedua-dua SC-berlesen untuk pelabur Malaysia.

Tiger Brokers NOT licensed by SC Malaysia. Cannot trade Bursa stocks. Best alternative: Moomoo MY.

Versa Cash 3.24–3.69% p.a. for savings vs Moomoo Cash Plus 6% + stock investing. Use both.

Versa Cash 3.24–3.69% p.a. vs KDI Save up to 3.88% p.a. — two SC-licensed cash funds compared.

Versa Cash 3.24–3.69% p.a. vs StashAway Simple ~3.55% p.a. Both SC-licensed money market funds.

Versa Cash-i ~3.1% p.a. vs Wahed's Shariah cash option ~3.35% p.a. Two halal savings apps compared.

Versa Cash 3.24–3.69% p.a. vs GO+ ~3.0–3.6% p.a. Standalone app vs eWallet feature — full comparison.

Versa Cash daily-variable fund vs ASB 5.75 sen/unit annual dividend (2025). Different structure, different eligibility.

Versa Cash-i ~3.1% p.a. vs Public Islamic Money Market Fund 3.34% (1-year). App-first vs agent-based unit trust.

MIGA-i, Bursa Gold Dinar, TNG e-Mas, Public Gold compared — structure, minimums, fees, physical redemption.

Moomoo SC-berlesen, Bursa+US+HK+SG+CN, 0 komisyen 180 hari. IBKR 150+ pasaran global tapi tiada Bursa Malaysia.

Tiger Broker TIDAK menyokong Bursa Malaysia. Moomoo ada akses Bursa + US/HK/SG/CN. Perbandingan lengkap.

Moomoo 0 komisyen 180 hari, akses global lebih luas. M+ Global (Malacca Securities) broker tempatan bertapak lama.

Moomoo 0 komisyen 180 hari vs Maybank brokeraj 0.1% (min RM8) + fi clearing 0.03%. Fi dan pasaran dibandingkan.

Panduan beli saham Bursa Malaysia untuk pemula. Broker, CDS akaun, dari RM100. Moomoo 0 komisyen 180 hari.

Bandingkan robo advisor Malaysia: StashAway (0.2–0.8%), Wahed halal, Kenanga. Fee, pulangan, Shariah.

Is Moomoo safe? SC-licensed, 0.03% Bursa fee, near-zero US stocks commission. RM100 cash + RM1,700 AAPL stock for new users.

Panduan lengkap buka akaun moomoo — 6 langkah, siap 1–2 hari. RM100 cash coupon + RM1,700 saham AAPL percuma untuk pengguna baru.

Malaysia's first AI chip designer. IPO oversubscribed 95.03x, raised RM352m. Debut 20 May 2026: opened RM3.50, closed RM2.21. Full record + how to buy SKYECHIP (5357) now.

All Bursa Malaysia IPOs 2026: SkyeChip, Empire Sushi, Sunway Healthcare. Upcoming dates, oversubscription rates, first-day gains.

Complete 2026 Bursa IPO list. Empire Sushi 23x oversub, Sunway Healthcare +28% RM2.86B, Gold Li 70x. Apply via Moomoo RM0 fee.

59 IPOs raised RM5.5B in 2025. Oriental Kopi +99%, THMY Holdings +193%. Malaysia #1 in SE Asia by IPO count.

Every promotional FD rate verified against the bank's own page, with campaign end dates and PIDM status. Rates and dates live on the page itself.

Kira baki EPF dalam 10, 20, 30 tahun. Dividen 6.30% (2024). Termasuk caruman pekerja + majikan + sukarela.

Project annual EPF dividend at 6.30% (2024). Year-by-year compound growth table. Historical rates 2017–2024. Compare with FD and ASB.

Calculate how RM500/month grows to RM745,000 in 30 years at 8%. DCA/SIP calculator with milestone table and scenario comparison.

Calculate CAGR, total ROI and projected growth. Two modes: project future value or calculate actual annualised return. Malaysia benchmark table.

Project unit trust / mutual fund returns after sales charge. 0% FSMOne vs 5% bank comparison. See exact RM difference over 20 years.

Harga Kijang Emas BNM rasmi + 916 & 999 per gram. Dikemaskini setiap 4 jam dari Bank Negara Malaysia OpenAPI.

Harga bar emas Poh Kong 999 terkini: 1g RM840, 5g RM4,000, 10g RM7,900. Dinar emas, syiling & nota emas. Beli dari kedai rasmi Shopee.

Seng Fong Jewellery emas asli atau tipu? Syarikat Sdn Bhd sejak 2017, emas tulen 916 & 999. Charm, loket & cincin RM109–RM580. Kedai rasmi Shopee.

Poh Kong 999 gold bar prices: 1g RM840, 3g RM2,400, 5g RM4,000, 10g RM7,900 (best value at RM790/g), 20g RM15,500. PAMP Suisse 1oz RM28,900. Buy from Official Shopee Store.

Harga dinar emas Malaysia: 1/4 dinar RM912, 1/2 dinar RM1,700, 1 dinar RM3,400. 1 dinar = 4.25g emas 999.9. Kegunaan: mahar, zakat, simpanan nilai.

Harga emas HABIB 999.9: bar 1g RM862 (10k+ sold), 2.5g RM2,009, 5g RM3,749. Bar bersijil LBMA. Koleksi wafer Cat, Wau, KLCC, Zoo Negara. Barang kemas 916 Oro Italia.

HABIB LBMA-certified 999.9 gold bar: 1g RM862 (10k+ sold), 2.5g RM2,009, 5g RM3,749. Buyback guide. Compare vs Poh Kong. Buy from HABIB Official Store on Shopee.

LITZ PAMP Suisse/Perth Mint 1g bar RM864 (10k+ sold). Gold Beans 足金小金豆 RM830 (6k+ sold). CNY coins, zodiac charms. All 999.9 pure gold from LITZ Official Store, Shopee.

Harga emas Masdora terkini: Dinar Haji/Umrah 4.25g RM3,300, Jongkong 5g RM3,828, Jongkong 1g RM850. Wafer Surah Al-Quran & Salam Lebaran. Bar KL & Penang. Shopee Malaysia.

Bar Emas Menara Kembar Tomei (3,000+ terjual): 1g RM910, 2g RM1,800, 5g RM4,100. PAMP x Tomei (Coca-Cola, PacMan, Lady Fortuna). Koleksi Wau, Hornbill, Empat Musim.

Live Kijang Emas buy/sell rates for 1oz, ½oz, ¼oz from BNM. Includes 916 & 999 per gram derived prices. Updated every 4 hours.

Current OPR Malaysia: 2.75%. Full history 2020–2026, home loan impact calculator, next MPC meeting dates. Live from BNM.

Kadar OPR Malaysia: 2.75%. Sejarah lengkap 2020–2026, kalkulator kesan pinjaman rumah, tarikh MPC akan datang. Data BNM.

Search 431 unlicensed financial entities flagged by Bank Negara Malaysia. Verify any company before investing. Live from BNM OpenAPI.

Calculate gold profit, total return and CAGR. Supports 999/916/750 gold. Historical MYR gold CAGR: 9–12% p.a. over 10–20 years.

Calculate dividend income, yield on cost, DRIP compound growth. Benchmark table: EPF 6.30%, ASB 5.25%, REITs 5–7%, Maybank 5.8%.

Project total retirement nest egg — EPF at 6.30% + other investments. Gap analysis: are you on track? How much extra to save monthly?

Malaysia's most complete free retirement calculator. Project EPF, calculate FIRE number, find how much you need — Basic RM750k, Comfortable RM1.5M, Luxury RM3M.

Pusat kalkulator ASNB Malaysia: dividen ASB 5.75%, pinjaman ASB, zakat ASB, harga unit dan cara buka akaun. Kod rujukan ZP3HXD — RM25 percuma.

Kira untung bersih pinjaman ASB — bandingkan kadar bank (4.10–4.50%) vs dividen ASB (5.75%). Analisis spread dan jadual ansuran bulanan.

Kira zakat ke atas simpanan & dividen ASB. Semak nisab ~RM24,225, pilih kaedah zakat harta atau dividen sahaja. Cara bayar auto via myASNB Ria.

Pusat crypto Malaysia: harga Bitcoin/Ethereum, cara beli, kalkulator untung, ulasan Luno/Hata/Binance & status halal/haram. 15 halaman dalam satu hub.

ASNB fixed price funds (ASB, ASM) are always RM1.00/unit. Variable price funds (ASN Equity, Imbang, Sara) change daily — check at myasnb.com.my. ASB dividend 5.75% in 2024.

See how long it takes to pay off with minimum payments. Escape the debt trap.

Calculate daily interest rate, time to pay off, and total interest

Compare credit cards and calculate rewards

BNM-regulated rates, minimum income, annual fees, market stats. 9.92M cards in circulation.

BNM RM24k floor + tier thresholds. Platinum RM60k, Infinite RM100k, World Elite RM190-240k.

Top 3 cashback credit cards compared: UOB ONE 10% on petrol/dining/Grab (RM60/month), RHB Shell 12% at Shell (RM30 cap), Alliance Visa Signature 5% on all retail.

UOB EVOL vs ONE vs PRVI Miles Elite vs Visa Infinite: cashback, air miles, lounge access, annual fees and income requirements compared side by side.

UOB ONE Platinum: 10% cashback on petrol, dining, groceries & Grab (RM15 cap each, RM60/month max). RM88 welcome cashback. Min spend RM1,500/month.

UOB EVOL: 10% cashback online, 5% on e-wallet top-ups (RM15 cap each). Annual fee RM90 auto-waived with 1 transaction/month. Min income RM36,000/year.

UOB PRVI Miles Elite: up to 12x UNIRinggit per RM1 overseas (about 1 air mile per RM1 in SG/TH/VN/ID), 8 lounge visits/year, RM300,000 travel insurance. Min income RM100,000/year.

UOB Visa Infinite: 10x UNIRinggit per RM1 overseas, 12 free lounge visits/year, up to 12 airport limousine rides, RM500,000 travel insurance. Min income RM120,000/year.

RHB Shell Visa: 12% cashback at Shell petrol (RM30/month cap), 5% groceries & e-wallets. Annual fee RM195 waived with 24 transactions/year. Min income RM2,000/month.

Alliance Visa Signature: 5% cashback on ALL retail (groceries, petrol, dining, online, overseas) at RM2,001–3,000/month spend. 2x airport rides. First year free.

Maybank Amex Cash Back: 1.5% overseas, 1% local — no monthly cap. RM70 annual fee. Lowest income bar RM2,500/month. Compare vs UOB ONE 10% & RHB Shell 12%.

HSBC TravelOne review: 8x reward points overseas (RM2.62/mile), 6 free Plaza Premium lounge visits/year, USD250k travel insurance. Min income RM8,500/month. First year FREE.

Top travel credit cards compared: HSBC TravelOne 8x miles overseas, CIMB Visa Infinite free for life, Maybank World unlimited lounge. Find the best card for your income.

Kad kredit untuk gaji RM2,000 sebulan — had minimum BNM. CIMB Cash Rebate 5%, RHB Shell 12%, Maybank 2 Gold, AEON Classic. Semua syarat disahkan.

Gaji RM1,500 tidak layak kad kredit biasa (BNM had min RM2,000). Pilihan alternatif: kad bercagar FD, prepaid TNG/BigPay, BNPL. Panduan lengkap.

Kad kredit gaji RM3,000 sebulan: UOB ONE 10% (petrol/makan/Grab), AEON Gold 8%, Alliance Visa Signature 5% semua perbelanjaan. Pilihan berkembang di peringkat ini.

Calculate your electric vehicle insurance premium and road tax in seconds. Compare prices from 15+ insurers.

Calculate motorcycle insurance premium and road tax. Compare third party vs comprehensive coverage.

Calculate car insurance premium and road tax. Compare comprehensive vs third party coverage.

Get Allianz motorcycle insurance quote instantly

Tips jimat premium insurans kereta — NCB, 3rd party vs komprehensif, renew online. Kira premium sekarang.

Harga, perlindungan, dan bila patut pilih insurans kereta 3rd party vs komprehensif di Malaysia.

Panduan insurans kereta komprehensif — perlindungan penuh, riders berguna, dan bila berbaloi vs 3rd party.

Panduan insurans EV di Malaysia — kenapa mahal, apa dilindungi, harga mengikut model, dan tips jimat.

Panduan tuntutan insurans kereta — own damage vs 3rd party, laporan polis, bengkel panel, kesan NCB.

Panduan insurans perjalanan untuk kakitangan awam — Pekeliling Bil. 3/2003, borang SR.2.4.1, urusan rasmi vs persendirian, cara beli & cara tuntut.

Bandingkan TH Khairat, IKHLAS Kembara Plus, Etiqa TripCare untuk Haji — dari RM28/tahun. TH Khairat bukan insurans perjalanan — perlu beli polisi tambahan.

Kadar cukai jalan kereta mengikut CC enjin dan cara renew road tax online melalui MyJPJ, Shopee, dan MyEG.

Harga insurans motor 3rd party mengikut CC, apa yang dilindungi, dan bila patut pilih 3rd party vs komprehensif.

Panduan insurans motor komprehensif — harga, riders, market value vs agreed value, dan cara jimat premium.

Kadar cukai jalan motosikal mengikut CC dan cara renew road tax motor online melalui MyJPJ, MyEG, atau Shopee.

Panduan insurans motor untuk pengendara wanita — tips jimat premium, PA rider, dan cara renew online.

Kira diskaun No Claim Bonus insurans motor. Semak NCB 25%–55% dan analisis sama ada berbaloi buat tuntutan.

Find the cheapest motorcycle insurance in Malaysia

Bandingkan harga insurans motor 3rd party vs komprehensif. Senarai harga mengikut CC + tips jimat NCB.

Kira premium insurans motor anda dengan segera

Calculate CI coverage for Cancer, Heart Attack & Stroke. Find out how much critical illness insurance you need.

Calculate PA insurance premium for accidental death, disability & medical expenses.

Calculate home insurance premium. Compare houseowner, householder & comprehensive coverage for your property.

Calculate travel insurance for domestic & international trips. Single trip vs annual plans.

Compare cheapest annual travel insurance from RM80/year. Unlimited trips in 12 months — save 40–60% vs single-trip policies.

Grab, InDriver, Lalamove, Foodpanda drivers — personal insurance does NOT cover e-hailing. Estimate premium from RM140/year.

Complete guide to medical insurance types, costs and best plans. Medical card from RM42/month. Compare AIA, Prudential, Etiqa, Great Eastern.

What is takaful? Compare takaful vs conventional insurance. Motor takaful from RM180/year. Etiqa, Takaful Malaysia, AIA Public Takaful.

Malaysia's largest insurance group. Motor from RM380/year, travel from RM15/trip, medical from RM42/month. Conventional + Takaful options.

Kurnia comprehensive car insurance from RM340/year. Famous for 24-hour towing (1800-88-6491). Compare Kurnia vs other insurers.

World's largest insurer in Malaysia. Car from RM350/year, travel from RM18/trip, SmartMedic from RM50/month. Strong claims service.

PRUMedic medical card from RM65/month, critical illness (36 CI) from RM80/month. One of Malaysia's largest life insurers since 1924.

Japan's oldest insurer in Malaysia. Car from RM370/year. Best for SME commercial coverage, fleet insurance and marine cargo.

Asia's largest life insurer. A-Plus Med medical card from RM60/month, CI from RM70/month, AIA Vitality wellness rewards up to 15% discount.

Malaysia's oldest insurer since 1908. MedFlexi medical card from RM55/month, 40 CI conditions — broadest CI coverage in Malaysia.

AM Best A++ insurer — car from RM360/year, travel from RM20/trip, maid insurance, Chubb SureCover. World's largest P&C insurer.

Public Bank subsidiary, LPI Capital listed. Car from RM340/year — one of Malaysia's most affordable comprehensive insurers.

Swiss insurer S&P AA- rated. Car from RM360/year + Zurich Takaful from RM180/year. Strong SME and life insurance products.

Malaysia's pioneer takaful operator since 1984, now Sun Life Malaysia Takaful. Motor takaful from RM180/year. Shariah-compliant.

Hong Leong Financial Group — car from RM345/year, HLA MedCard from RM55/month. Separate entities for general and life insurance.

RHB Bank subsidiary — car from RM340/year, TravelCare from RM18/trip. Competitive pricing, RHB branch network.

Mitsui Sumitomo / MS&AD Japan. Car from RM355/year, TravelEasy from RM20/trip. Best for Japanese car owners and marine cargo.

AirAsia-linked digital insurer — cheapest travel insurance from RM8/trip, motor from RM330/year. 100% online platform.

Term life from RM50/month, CI from RM70/month. Complete guide — 10x income rule, DIME formula, term vs whole life vs ILP.

Calculate how much life insurance you need. Factor in income replacement, debts & dependents to find your coverage gap.

Calculate Tesla Model 3 & Model Y insurance premium and road tax in Malaysia.

Calculate electric vehicle road tax under Malaysia's new kW-based structure. Compare with ICE road tax.

Estimate term life insurance premium by age, gender, coverage and term. Compare term life vs takaful.

Estimate medical card premiums by age, annual limit and deductible. Compare RM60K to RM1M plans.

Calculate your No Claim Discount and find out if claiming is worth losing your NCD. PIAM official rates.

Kira anggaran sumbangan Etiqa Motor Takaful untuk kereta dan motosikal. Komprehensif vs pihak ketiga. Patuh Syariah.

Atto 3 RM2,800-4,200, Seal RM3,500-5,500, Dolphin RM2,200-3,500, M6 RM3,200-4,800.

Renew car insurance on Shopee with code PQPOJB: FREE road tax delivery for cars under 1,600cc, RM25 ShopeePay cashback, and free PA coverage. Compare Zurich, Etiqa and AXA in the app.

Bjak promo codes: BJAKVVIP (free VIP package RM489), PLD15 (RM15 off Grab PayLater). Compare 15+ insurers and save up to 50% on car insurance.

All-in-one car calculator hub — loan from 2.35% (BSN), insurance, road tax, petrol, EV. 57 free tools.

Hub kalkulator kereta lengkap — pinjaman dari 2.35% (BSN), insurans, cukai jalan, minyak, EV. 57 alat percuma.

Beza RON95 dan RON97, harga semasa, kereta mana perlu guna RON97, dan adakah RON97 lebih jimat minyak.

Kira kos petrol bulanan — RON95 BUDI95 RM1.99, RON97, diesel. Harga minyak terkini dikemaskini automatik setiap minggu.

Panduan subsidi RON95 RM1.99 — kelayakan, cara semak, penjimatan sebenar RM1.88/L, dan siapa yang tidak layak.

Estimate RapidKL LRT fares — Token vs Touch 'n Go vs MY50 pass. Popular routes from KL Sentral. RM1.20–RM5.20.

Estimate MRT Kajang & Putrajaya Line fares — Token vs Touch 'n Go vs MY50. Popular routes including TRX, Bukit Bintang, Putrajaya. RM1.20–RM6.20.

Live RON95 RM2.05, RON97 & diesel updated weekly. Petrol price history, subsidy guide, and monthly cost calculator.

Harga cermin kereta by model — OEM vs aftermarket vs repair. Claim vs pay out-of-pocket guide. NCD not affected for windscreen claims.

Harga bateri MF dari RM150, EFB RM300, AGM RM400. Bandingkan Amaron, Varta, Bosch, GS Yuasa. Jangka hayat & tanda-tanda nak kong.

Kira kos cas kereta elektrik sebulan — TNB home RM0.27/kWh vs DC fast charging RM1.30/kWh. Bandingkan dengan petrol RON95.

Kira ansuran pinjaman kereta EV — kadar dari 1.98% (Maybank Tesla) hingga 2.50%. BYD Dolphin, Proton eMas 7, Tesla Model Y.

Kira penjimatan EV berbanding kereta petrol — kos operasi, servis, cukai jalan, break-even point 5 tahun.

Kos ambil lesen kereta RM1,100–1,600, lesen motor RM450–700. Renew lesen RM30/5 tahun. Panduan GDL dan PSV.

Harga petrol Malaysia terkini: RON95 BUDI95 RM1.99/L (warganegara), RON97 RM4.35/L, Diesel RM4.37/L. Sejarah 8 minggu. Dikemaskini setiap Khamis dari data.gov.my.

How much has your car lost? National -20%/yr, non-national -15%/yr. Year-by-year value table for any car price.

Compare hire purchase rates from all banks: Maybank 2.30%, EV from 1.75%. Flat rate vs EIR explained. June 2026 changes.

Kira kos lesen motosikal B2, B dan D — termasuk sekolah memandu, ujian JPJ dan semua bayaran berkaitan.

Kira ansuran bulanan, jumlah faedah dan kadar efektif. Flat rate vs reducing rate.

Calculate how much you can save by refinancing your car loan. Compare rates from banks.

Kira berapa anda boleh jimat dengan refinance pinjaman kereta

Calculate monthly petrol cost with live RON95, RON97 and diesel prices from data.gov.my.

Calculate fuel cost per kilometre with live petrol prices. Compare car, motorcycle and EV running costs.

Calculate total trip cost including toll and petrol. Estimate commuting expenses for popular Malaysian routes.

Kira kos perjalanan — tol + minyak petrol. KL ke Penang RM121, KL ke JB RM106. Jadual tol lebuhraya PLUS, LPT, WCE.

Senarai kadar tol PLUS, LPT, WCE Malaysia. KL-Penang RM37.60, KL-JB RM33.60. Kelas 1 motosikal & Kelas 2 kereta.

Damansara RM2.00, Pantai (Kerinchi Link) RM2.50, Bukit Kiara (Penchala Link) RM3.00 — Kelas 1. Jadual penuh Kelas 1-5.

Lebuhraya Pantai Timur — Karak ke Kuala Terengganu RM41.90, Kuantan ke KT RM22.30, Karak ke Kuantan RM19.60. Beza LPT1 dan LPT2, 19 plaza.

Kadar tetap RM2.50 (Kelas 1) di setiap plaza tol DUKE — Duta-Ulu Kelang Expressway, Fasa 1 & 2. Sistem tol terbuka.

Kadar tetap RM2.30 (Kelas 1) — Sungai Besi-Ulu Kelang Elevated Expressway, 24.4km, 14 persimpangan.

RM2.10 (Kelas 1) — Damansara-Puchong Expressway. Kadar dijamin tidak naik sehingga 10 tahun di bawah ALR.

RM2.00 (Kelas 1) — Lebuhraya Shah Alam, 4 plaza tol. Kadar dijamin tidak naik sehingga 10 tahun di bawah ALR.

Calculate travel reimbursement for business trips. Generate printable claim summary for HR.

Compare Grab, express train and taxi fares from KLIA, KLIA2, Penang, Senai, KK and Kuching airports.

Kira penjimatan EV berbanding kereta petrol Malaysia. BYD Dolphin jimat ~RM1,700/tahun kos operasi. Kira break-even point dan jumlah kos 5 tahun.

Kos renew lesen motor Malaysia: RM30 untuk 5 tahun (kelas B/B2/C). Boleh renew melalui MyJPJ app dalam 5 minit, diskaun RM5 lesen digital.

Jarak antara 32 bandar di Malaysia, anggaran masa memandu dan kos minyak guna harga RON95 terkini.

Estimate monthly TikTok income from Creator Fund, brand deals, LIVE gifts and TikTok Shop affiliate.

Calculate true cost of hiring an employee. EPF, SOCSO, EIS & HRDCorp breakdown with annual projections.

Calculate the real cost of setting up a Sdn Bhd. SSM fees, secretary, audit, tax filing & hidden monthly costs.

SSM fees: Sdn Bhd RM1,010, Enterprise RM30-60/yr, LLP RM500. + secretary + compliance costs.

SME: 15-17-24% tiered. Non-SME: 24% flat. Full LHDN rate table + worked examples.

Service tax 8%, sales tax 5%/10%, MyInvois Phase 4 from Jan 2026. Penalty RM200-20k.

Kira ansuran pinjaman perniagaan SME — TEKUN 4% flat, BSN 5%, bank komersial 5-7%. Reducing balance vs flat rate. Jadual bayaran.

Kira cukai korporat SME (15%/17%/24%) atau bukan SME (24% flat). Termasuk elaun modal, derma, dan kadar efektif.

Kira hari bekerja antara dua tarikh atau cari tarikh akhir selepas N hari bekerja. Termasuk cuti umum Malaysia 2025-2026.

Semak saiz syarikat Mikro/Kecil/Sederhana mengikut SME Corp Malaysia. Kelayakan program bantuan & kadar cukai LHDN.

Kira jumlah fidyah puasa Ramadan mengikut kadar semasa negeri anda. Selangor RM7/hari, Kedah RM5/hari.

Kira tempoh iddah cerai atau kematian suami mengikut hukum Islam. Iddah kematian: 4 bulan 10 hari.

Kira zakat emas simpanan & perhiasan mengikut kadar uruf negeri. Nisab 85 gram, kadar 2.5%.

Kira pembahagian harta pusaka Islam (faraid) mengikut hukum Syariah. Panduan anggaran percuma.

Kira zakat pendapatan/gaji. Kaedah bersih & kasar. Nisab terkini. Rebat cukai LHDN.

Kira berapa solat qada perlu diganti dan dapatkan pelan qada praktikal. Termasuk pengecualian wanita.

2.5% modal + untung - hutang. Sdn Bhd + Enterprise. Formula + contoh pengiraan.

2.5% wang, ASB, Tabung Haji, EPF 50%, saham, crypto. Nisab 85g emas.

Estimate how much PTPTN loan you can get based on household income, institution type and study level.

Calculate your PTPTN monthly instalment. Compare Ujrah (1%) vs Conventional (3%) and discover savings strategies.

Kira pointer (PNGS) setiap penggal & PNGK keseluruhan STPM ikut skala NGMP rasmi MPM. Semak kelayakan UPU (PNGK min 2.00) untuk masuk universiti.

Plan SSPN education savings — projected balance, dividends, and tax relief over time.

Compare the true long-term cost of PTPTN loan vs scholarship. See net wealth impact by age 35.

Check your eligibility for JPA, MARA, Petronas, Bank Negara and Khazanah scholarships.

Estimate fresh graduate salary by degree field, CGPA, location and university tier.

Find out if you qualify for Dean's List and what grades you need this semester.

Calculate STPM pointer and estimate university pathway from SPM results.

Compare tuition fees for IPTA, IPTS, private colleges and international branch campuses in Malaysia.

Plan your university budget — track PTPTN, allowances, rent, food and transport expenses.

Estimate international school fees in Malaysia. Budget, mid-range and premium schools.

Kalkulator saintifik percuma untuk SPM & STPM: sin, cos, tan, log, ln, kuasa, punca dan faktorial. Mod darjah & radian.

Tukar unit panjang, jisim, luas, isipadu, suhu, laju dan data. 1 meter = 3.28084 kaki, 1 kg = 2.20462 paun.

Tukar sentimeter ke kaki dan inci. 170 cm = 5 kaki 6.9 inci. Jadual penuh 150 cm hingga 190 cm.

Calculate your cumulative grade point average for Malaysian universities. Supports 4.0 and 5.0 grading scales.

Calculate your UiTM CGPA with the official 4.0 grading scale. Malaysia's largest university.

Calculate your UTM CGPA with the official grading scale including D- grade.

Calculate your UMS CGPA. Universiti Malaysia Sabah grade point calculator.

Calculate your UTeM CGPA. Universiti Teknikal Malaysia Melaka grade calculator.

Calculate your USIM CGPA. Universiti Sains Islam Malaysia grade calculator.

Calculate your OUM CGPA. Open University Malaysia grade calculator for part-time students.

Calculate your Universiti Malaya CGPA. Check First Class Honours eligibility (CGPA ≥ 3.67) and semester GPA.

Calculate your Universiti Putra Malaysia CGPA. Check First Class Honours eligibility (CGPA ≥ 3.67).

Calculate your Universiti Sains Malaysia CGPA. Check First Class Honours eligibility (CGPA ≥ 3.67).

Calculate your Universiti Kebangsaan Malaysia CGPA. Check First Class Honours eligibility (CGPA ≥ 3.67).

Calculate your Universiti Tunku Abdul Rahman CGPA. First Class Honours requires CGPA ≥ 3.50.

Calculate your Multimedia University CGPA. First Class Honours requires CGPA ≥ 3.50.

Universiti Tenaga Nasional (private, TNB-owned). First Class Honours ≥ 3.50. Engineering & tech focus.

Universiti Tun Hussein Onn Malaysia (public technical university, Johor). First Class Honours ≥ 3.67.

Kira CGPA Matrikulasi dan merit UPU — masukkan gred setiap subjek. Formula: (CGPA ÷ 4.00) × 90 + Ko-kurikulum (maks 10).

Kira merit UPU untuk STPM, Matrikulasi & Diploma. Semak ambang merit program — perubatan 94+, kejuruteraan 70+.

Calculate your Body Mass Index and body fat percentage using MOH Malaysia Asian standards. Includes healthy weight range.

Kira hari ovulasi dan tempoh subur anda berdasarkan kitaran haid. Panduan merancang kehamilan.

Ramal jantina bayi menggunakan Carta Ramalan Jantina Cina berdasarkan umur lunar ibu dan bulan konsepsi.

Calculate body fat % using the US Navy method. Shows fat mass, lean mass, and your category (athlete/fitness/average/obese).

MOH RM1 outpatient vs private RM80-350. Full fee comparison + non-citizen rates.

Basic RM200-450, Executive RM800-2,500, Comprehensive RM2,500-5,500. KPJ/Sunway/Pantai.

Govt RM10 normal, private RM4k-35k. C-section RM50 (govt) to RM40k (premium).

Cari saiz bra betul — band + cup size AA hingga K. Cara ukur & carta saiz lengkap.

Premium by age 25 (RM1,200) to 60+ (RM15,000+). MHIT 5% co-payment. Top plans.

Kira berapa hari, bulan & tahun anda sudah bersama. Semak milestone seterusnya (100 hari, 1 tahun, 1000 hari) dan tarikh ulang tahun hubungan.

Versi rasmi terkini ialah Piramid Makanan 2020 (bukan 2026). Sayur 3 hidangan, buah 2, air 6–8 gelas + konsep Suku Suku Separuh (¼ karbohidrat, ¼ protein, ½ sayur & buah). Sumber KKM.

Berat badan ideal ikut tinggi & jantina dengan 4 formula perubatan. Julat BMI sihat guna ambang Asia 18.5–22.9.

Harga Bitcoin Malaysia terkini dalam MYR. BTC/MYR ~RM350k–450k (anggaran). Cara beli dari RM10 di Luno & Binance. Panduan pemula crypto Malaysia.

Harga Ethereum Malaysia terkini dalam MYR. ETH/MYR ~RM18,000–25,000 (anggaran). Ethereum vs Bitcoin perbandingan. Beli ETH dari RM10 di Luno & Binance.

Panduan lengkap cara beli Bitcoin Malaysia untuk pemula. Daftar Luno dalam 5 minit, beli BTC dari RM10. Step-by-step guide crypto Malaysia.

Cara beli Ethereum (ETH) di Malaysia. Daftar Luno, deposit MYR via FPX, beli ETH dari RM10. Panduan pemula crypto Malaysia.

Bitcoin halal atau haram di Malaysia? Fatwa Majlis Fatwa Kebangsaan, pandangan ulama, dan alternatif pelaburan Islamik. Panduan crypto halal Malaysia.

Cara keluarkan duit dari Luno ke bank Malaysia. Withdraw ke Maybank, CIMB, Public Bank dalam 1–30 minit. Fee RM0. Panduan langkah demi langkah.

Luno Malaysia review — SC licensed, fee 0.1–1.5%, beli crypto dari RM10. Pros & cons, perbandingan dengan Binance. Selamat ke pakai Luno?

Luno untuk pemula (7 coin, UI mudah) vs Binance untuk trader aktif (350+ coin, fee 0.1%). Perbandingan lengkap platform crypto Malaysia.

Cara beli Bitcoin guna Maybank Malaysia. Deposit ke Luno atau Binance via Maybank FPX. Beli BTC dari RM10. Panduan langkah demi langkah.

Harga emas 999, 916 & 750 per gram dikemaskini harian (live spot). Jadual Ar-Rahnu, graf 30 hari & kalkulator nilai emas percuma.

Kira nilai emas 916, 999 & perhiasan ikut berat × harga spot semasa (dikemaskini harian). Termasuk panduan Ar-Rahnu & upah buat barang kemas.

Harga perak 999 ~RM5.15/g, perak 925 ~RM4.75/g (anggaran). Emas vs perak — mana lebih baik untuk pelaburan?

Panduan guna MyPriceCatcher KPDNHEP — semak harga beras RM2.60/kg, ayam RM9.40/kg, telur RM0.55/biji. Barang kawalan Malaysia.

Harga aircond 1HP–2.5HP dari RM800. Kos pasang RM300–450. Bandingkan Daikin, Panasonic, Midea, Samsung. Inverter vs non-inverter.

Unifi 100Mbps RM89, TIME 500Mbps RM139, Yes 5G RM99 bebas kontrak. Bandingkan semua pelan broadband rumah Malaysia.

Gas 12kg bersubsidi RM26.50, gas 14kg RM35.75. Panduan harga gas domestik, subsidi kerajaan, dan gas portable.

Netflix dari RM17/bulan, Spotify RM17.90, Disney+ RM18.90, YouTube Premium RM19.90. Panduan plan terbaik & Family Plan jimat.

Ayam goreng RM5.40/ketul, Set dari RM15.90, Bucket 9 ketul RM59.90. Harga menu KFC terkini dan tips jimat.

GSC dari RM15, TGV dari RM14, MBO dari RM13. IMAX RM24–32. Cheaper Tuesday RM10–12. Cara jimat tiket wayang.

Cable Car Genting RM27, SkyWorlds RM159, Zoo Negara RM35 (MyKad). ETS KL-Penang dari RM47. Panduan tarikan pelancongan.

Zeekr X dari RM155,800, Zeekr 7X dari RM182,800. EV premium Geely Group — menantang Tesla Model Y.

Pakej Umrah dari RM4,500 (ekonomi) hingga RM12,000+ (premium). Panduan musim, MOTAC, dan cara jimat kos.

Estimate your monthly TNB bill using current Tariff A domestic rates. Enter kWh or calculate from appliances.

Calculate days between two dates, add or subtract days, or count working days.

Calculate X% of a number, find what % one number is of another, or calculate percentage change.

Tukar tarikh Masihi ke Hijrah atau sebaliknya. Semak tarikh penting Islam akan datang.

Calculate your exact age in years, months and days. Find out how many days until your next birthday.

Robot vacuum terbaik Malaysia: Dreame D20 Ultra (RM1,700) terbaik keseluruhan, Ecovacs Deebot T80 Omni (RM4,000) premium, ILIFE A30 Pro (RM749) bajet. Bandingkan kuasa sedutan, dok auto-buang & harga.

ILIFE robot vacuum Malaysia: A30 Pro RM749 (LDS laser + auto-empty), A30 RM549 (10k+ terjual), V9 RM349 (termurah). Review jujur, perbandingan model & waranti.

Roborock Malaysia: QR 798 RM1,600 (4k+ terjual, nilai terbaik), Qrevo Curv 2 Pro RM4,500 (100°C hot wash), Saros 20 RM6,600 (flagship 36,000Pa). Harga, perbandingan & waranti.

Dreame Malaysia robot vacuum: D20 Ultra RM1,700 (5k+ terjual, nilai terbaik), Aqua10 Roller RM4,400 (100°C hot wash), X60 Ultra RM6,100 (flagship 36,000Pa). Dreame vs Roborock & waranti.

Dreame vs Roborock: Roborock menang navigasi & kebolehpercayaan (#1 global); Dreame menang sedutan (36,000Pa) & nilai per ringgit. Perbandingan setiap tier — QR 798 vs D20 Ultra, Saros 20 vs X60 Ultra.

Air purifier terbaik Malaysia: Xiaomi 4 Lite RM549 (nilai terbaik), Cuckoo Air Purifier i RM1,600 (premium Korea), Philips AC3220 (liputan 135㎡). Bandingkan CADR, harga & perlindungan jerebu.

Cuckoo rice cooker Malaysia: Multi-Cooker CR-0675F RM409 (terbaik nilai, 1k+ terjual), Jar-Type CR-1005 RM240, Twin Pressure IH CRP-JHT10 RM2,400. Jenama Korea. Harga & panduan saiz.

Rice cooker terbaik Malaysia: Cuckoo CR-0675F RM409 (Korea), Swiss Thomas Low Sugar 5L RM178 (periuk nasi rendah gula), Cuckoo IH Twin Pressure RM2,400 (premium). Harga & panduan saiz.

Aircond terbaik Malaysia: Haier 4 Star 1.0HP Inverter RM1,100 (nilai terbaik), Haier 5 Star 1.5HP RM1,400, Xiaomi Mijia 5 Star WiFi RM1,699. Panduan jenama, HP & bintang kecekapan.

Peti sejuk terbaik Malaysia: Haier 240L 2-Pintu RM969 (bajet), Haier 606L 4-Pintu Twin Inverter RM2,800, Xiaomi Mijia 510L RM2,899. Panduan saiz liter & 2-pintu vs 4-pintu.

Mesin basuh terbaik Malaysia: Haier 8kg Top Load RM772 (bajet), Haier 11kg Front Load Inverter RM1,400, Xiaomi 10.5kg Washer Dryer RM2,299. Panduan kg & top vs front load.

TV terbaik Malaysia: Haier 55 inci UHD Google TV RM1,400 (nilai), Haier 65 inci RM2,100, Xiaomi TV A Pro 55 inci 4K QLED RM1,899. Panduan saiz skrin, LED vs QLED & harga.

Mesin kopi terbaik Malaysia: Petrus Espresso 51mm RM499, Cafelffe 58mm Portafilter RM759 (barista), Cafelffe 6-in-1 Capsule RM419. Mesin kopi espresso, capsule & automatik dari RM266.

Laptop gaming refurbished terbaik Malaysia: ROG Strix G15 RM3,000 (paling laris), ROG Zephyrus G16 RM2,700, Lenovo Legion 7 RM3,800. Laptop gaming murah like-new — separuh harga baharu.

Calculate how much your air-cond costs per month using TNB 2026 tariff. Compare inverter vs non-inverter savings.

Kira penjimatan Solar ATAP, tempoh pulang modal & waste meter. Tarif TNB 2026 terkini.

Berapa liter air perlu minum sehari? Kira berdasarkan berat badan, aktiviti & cuaca Malaysia.

Kira tarikh bersalin (EDD), minggu mengandung & perkembangan bayi. 3 kaedah pengiraan.

Kira waktu tidur & bangun terbaik. Kitaran 90 minit, hutang tidur & tips tidur berkualiti.

Kira defisit kalori & pelan turun berat badan. Jangka masa, kalori harian & cadangan makanan.

Kira keperluan kalori harian anda. Turun berat, kekal atau bina otot. Formula Mifflin-St Jeor.

Calculate monthly water bill — Air Selangor RM0.65/m³, SAJ Johor RM1.05/m³, PBAPP Penang RM0.55/m³, SAMB Melaka RM0.94/m³. Updated 2026 tariffs.

Brew ratio by method (espresso 1:2, pour over 1:15, cold brew 1:8), caffeine tracker (400mg limit), and half-life calculator — when can you sleep?

Find your body shape — apple, pear, hourglass, inverted triangle, or rectangle. Based on bust, waist, and hip measurements.

Berapa kos mandi anda sebulan? Kira kos air & elektrik shower. Jimat air, jimat duit!

iPhone 17 Pro Max Malaysia: 256GB RM5,999 · 512GB RM6,999 · 1TB RM7,999 · 2TB RM9,999. 6.9-inch display, A19 Pro, 3 colours.

WHOOP 5.0 Malaysia price: ONE RM1,299 · PEAK RM1,599 · MG RM2,199. Screenless fitness tracker with 14-day battery and HRV-based recovery coaching for serious athletes.

Best smartwatch Malaysia 2026: WHOOP 5.0 from RM1,299 (recovery), Amazfit T-Rex Ultra 2 RM2,399 (rugged), Suunto Race S RM1,799 (running). Full comparison.

Harga aircond Malaysia: Midea 1HP dari RM869, Daikin 1.5HP RM1,780, Panasonic 1.5HP Inverter RM1,929. Kos pasang RM250–310. Panduan beli aircond inverter vs non-inverter.

Bayaran pasport Malaysia: RM200 (dewasa 13–59 tahun), RM100 (kanak-kanak, warga emas 60+, pelajar luar negara, Haji), OKU percuma. Cara renew di pejabat Imigresen & UTC.

Kalkulator tukaran Ringgit Malaysia ke Rupiah Indonesia. IDR 10,000 = RM 2.28 (anggaran). Jadual tukaran, harga Bali & tips wang travel Indonesia.

Kira harga selepas diskaun, diskaun bertindih, margin dan markup. 30% + extra 20% bukan 50% — ia 44%.

Cat Nippon/Dulux 5L dari RM45, Jotun dari RM60. Upah tukang cat RM3–5/sq ft dalaman, RM5–8/sq ft luaran.

Wiring baru teres RM5,000–8,000. Tambah soket RM80–150/titik. Tukar consumer unit RM800–1,500. Panduan kos elektrik.

Calculate kitchen renovation cost based on size, cabinet type, and finish level. Get free quotes from contractors.

Kira anggaran kos renovasi dapur berdasarkan saiz, jenis kabinet, dan tahap kemasan.

RM80-450/sqft. Condo 700sqft RM45k-220k. DBKL permit + JMB approval required.

Basic RM15k-28k, Mid RM28k-55k, Premium RM55k-120k. Cabinets, countertop, wet+dry.

Basic RM8k-15k, Mid RM15k-22k, Premium RM22k-35k+. Tiles, WC, waterproofing.

Estimate your Chinese wedding budget and calculate angpao break-even. Compare banquet venues & bridal packages.

Plan your Indian wedding budget - temple or hall ceremony. Compare catering, decor & photography packages.

Rancang bajet perkahwinan anda. Kira kos dewan, katering, pelamin, hantaran dan fotografi.

Plan your church or garden wedding budget. Compare venues, flowers, reception & photography packages.

Budget RM20-45k, Mid RM55-110k, Premium RM150k+. Full category breakdown.

Dewan RM400-1,800, hotel ballroom RM5k-30k, outdoor RM4k-12k. DBKL + hotel rates.

Buffet RM38-130/pax, Malay RM45-140, Chinese 8-course RM80-350. Full cuisine breakdown.

Calculate office cleaning cost based on size, cleaning type, and frequency. Get free quotes from licensed cleaners.

Calculate house cleaning cost for apartments, terrace houses, semi-D and bungalows. Compare regular, deep and post-renovation rates.

Calculate carpet cleaning cost by size and method. Compare steam, dry cleaning, shampooing and encapsulation rates.

Calculate roof cleaning cost by type, size, and method. Compare pressure washing, soft washing and manual scrubbing rates.

Calculate house moving cost for local and interstate moves. Compare rates for apartments, terrace houses, semi-D and bungalows.

Calculate end of tenancy cleaning cost. Maximize your rental deposit refund with professional move-out cleaning.

Calculate gutter cleaning cost by length, height, and blockage level. Includes downpipe clearing and gutter guard rates.

Calculate aircond servicing and duct cleaning cost. Compare split unit, cassette, and ducted system rates.

How much does a baby cost in Malaysia? Monthly and annual costs from newborn to primary school.

Compare monthly living costs between KL, Penang, JB, Ipoh, Kota Kinabalu and Kuching.

Current food and grocery prices in Malaysia — rice RM2.60/kg, chicken RM9.40/kg, eggs RM0.45. Wet market vs supermarket vs online comparison.

Plan your trip from Malaysia — estimated costs for flights, hotels, food and activities to 8 destinations.

How much does a trip to Japan cost from Malaysia? Flights, hotels, food and activities breakdown.

How much does a trip to Bali cost from Malaysia? Budget, mid-range and luxury estimates.

How much does a trip to Thailand cost from Malaysia? Bangkok, Phuket and Chiang Mai estimates.

How much does a trip to Korea cost from Malaysia? Seoul flights, hotels, food and K-experiences.

How much does a trip to Vietnam cost from Malaysia? Hanoi, Ho Chi Minh City and Da Nang estimates.

How much does a trip to the Maldives cost from Malaysia? From budget guesthouses to luxury resorts.

How much does a trip to Australia cost from Malaysia? Sydney, Melbourne and Gold Coast estimates.

How much does a trip to Taiwan cost from Malaysia? Taipei flights, hotels, food and night markets.

9 active Klook Japan promo codes — Tokyo Skytree 43% off, teamLab, JR Pass, Umeda, Harukas & more. Most expire 31 May 2026.

6 Klook Macau promo codes — Studio City 50% off: Water Park, Ferris Wheel, Fun Zone & Buffet. Max saving RM515. Expires 31 May 2026.

Estimate cruise costs from Malaysia. SEA, Asia, Mediterranean and Caribbean cabin price guide.

Panduan daftar & buat duit Shopee Affiliate. Komisen 2–8%, TikTok & blog tips.

Join Shopee Affiliate Malaysia: Beauty/Fashion 7–10%, Electronics 1–3%. Step-by-step guide, earnings estimator, Shopee vs Involve Asia comparison. Referral code TF2ABV9.

Platform affiliate terbaik MY — SHEIN 17.5%, Homestyler 30%, 1,000+ brand.

Tools & cara semak harga asal vs harga sale Shopee. Detect fake discounts 11.11.

Lotus's vs Giant vs Econsave vs Mydin vs Jaya Grocer — basket price comparison & tips jimat.

Beras RM2.60/kg, telur ~45 sen, ayam siling RM9.40/kg. Senarai lengkap barang kawalan KPDN.

Step-by-step guna PriceCatcher KPDN. Semak harga 316 barangan di kedai berdekatan — percuma.

Referral code Shopee & ShopeePay, semak price history, Shopee vs Lazada dan cara jadi affiliate Shopee.

Shopee menang fashion & harian. Lazada menang elektronik. Perbandingan lengkap + verdict.

Lotus's vs AEON vs HappyFresh vs Shopee — delivery fee, min order & coverage comparison.

Nombor plate biasa RM310, cantik RM500–5k, VIP ratusan ribu. P1P cecah RM1.1 juta.

Flash Express RM5.27, J&T RM5.42, Ninja Van RM6.50. Lalamove motosikal RM5+RM0.70/km.

Apply for Atome Card Malaysia — FREE, no downpayment, 0% interest, pay later up to 40 days. Works at any Visa merchant online or in-store.

Referral code GX Bank: OOIY691. Dapat sehingga RM225 — RM100 FlexiCredit + RM125 Biz FlexiLoan. Bank digital Grab + Kuok Group.

Kod referral Ryt Bank: BRVRG. Dapat RM100 atau RM5 dijamin apabila daftar, aktifkan akaun dan buat satu tugasan. Bank digital berlesen BNM.

How much does a trip to UK cost from Malaysia? Return flights RM3,500–11,000, hotels GBP 80–250/night. 7-day London budget RM8,000–12,000.

How much does a trip to Dubai cost from Malaysia? Flights RM1,400–5,500, hotels AED 300–2,000/night. Visa-free for Malaysians. 7-day budget RM7,000–10,000.

How much does a trip to Turkey cost from Malaysia? Flights RM1,800–6,500, Istanbul & Cappadocia. Muslim-friendly, halal food everywhere. 7-day budget RM5,500–8,000.

Referral code Tealive Malaysia: CSV9609. Anda dan kawan masing-masing dapat RM5 Tealive Cash Voucher percuma. Rangkaian bubble tea terbesar Malaysia — 800+ outlet.

ZUS Coffee promotions: ZUSday Buy 3 Free 1 every Tuesday, BSN RM5 off, Soft Serve RM3.90. Referral code JAYJ6LR for new users.