CMCalculator Malaysia

Personal Finance Malaysia: Straight Answers to What You're Asking

Personal finance in Malaysia comes down to a handful of questions people ask over and over: which ETF, is this app legit, how is my company car taxed, how much do I need to retire. Each guide below answers one of them with the numbers, and links to a calculator to run your own.

Baca dalam Bahasa Melayu →

Personal finance guides for Malaysians

Investing

VWRA vs VUAA: which Irish ETF to buy →

World vs S&P 500, 0.14% vs 0.07% a year, and why Irish funds lose 15% of US dividends, not 30%.

Investing

SC Investor Alert List: check a broker is legit →

The 3 lists to search before you deposit, and 5 signs of an investment scam.

Tax

Benefit in kind car: is my company car taxable? →

The LHDN table by car price, plus a calculator for your extra tax.

Credit

How to check CCRIS and CTOS for free (BM) →

Get your CCRIS report from BNM's eCCRIS in 5 steps, and why CCRIS is not a blacklist.

EPF

i-Saraan KWSP RM500 (BM) →

Self-employed? Put in RM2,500 a year and the government adds RM500.

Credit

Credit card chargeback: how to dispute a charge →

Maybank asks within 20 days of the statement closing date. Steps, proof, and FMOS if the bank says no.

Investing

Silver investment account: Maybank vs RHB →

20 g vs 300 g to start, and why the buy-sell spread is the real cost.

Debt

AKPK DMP: free debt restructuring (BM) →

Who qualifies (debt up to RM5 million), how to apply, and what happens to your cards.

Property

Buying a subsale house (BM) →

The 7 steps, cash you need upfront, full loan via SJKP, and LPPSA.

Property

Cash out refinance Malaysia →

How much cash you can take out of your house, and what it costs.

Investing

How to buy ETFs in Malaysia →

Step by step, from opening an account to your first buy.

EPF

EPF Akaun 3 guide →

What Akaun Fleksibel is and when to take money out.

📈 moomooSC Malaysia Licensed · No.1 Trading App

RM500/Month for 30 Years = RM1.13M — via S&P 500 at 10% p.a.

Plus up to RM1,800 in new user rewards. SC Malaysia licensed. Invest in US, HK & Bursa stocks from one app.

Monthly DCA growth at 10% p.a. (S&P 500 hist avg)

Monthly10 yrs20 yrs30 yrs
RM300/moRM61kRM228kRM678k
RM500/moRM102kRM380kRM1.13M
RM531/moRM109kRM404kRM1.2M
  • ✅SC Malaysia licensed — regulated & safe
  • 🎁Up to RM1,800 in new user rewards on sign-up
  • 🌍US, HK & Bursa Malaysia stocks in one app
Open moomoo Account & Claim Rewards →

*Complete deposit & first trade via this link to track rewards · T&Cs apply · RM100 coupon ≥RM1,000 deposit · AAPL stock ≥RM30,000 deposit.

Free personal finance calculators

Budget calculator →Emergency fund calculator →How much to retire →EPF calculator →Salary calculator →PCB calculator →

Personal finance Malaysia: common questions

Where do Malaysians ask personal finance questions?
Mostly on Reddit's r/MalaysianPF and Lowyat's Finance, Business and Investment House forum. The questions that come up again and again are which ETF to buy, whether an investment app is legit, EPF, credit card debt and buying a first home.
What ETF do Malaysians buy for the long term?
Many buy an Irish-domiciled world ETF such as VWRA, or an S&P 500 ETF such as VUAA or CSPX. Irish funds pay 15% tax on US dividends, against 30% for a US-listed ETF held by a Malaysian.
How do I know if an investment is a scam in Malaysia?
Search the company on the SC's list of licensed intermediaries and on the SC Investor Alert List. If it is not licensed, or it promises guaranteed returns, do not send money.
How much emergency fund should I have in Malaysia?
A common rule is 3 to 6 months of your fixed monthly spending, kept somewhere you can reach in a day. Our emergency fund calculator works out the amount from your own expenses.
What is the best way to save money in Malaysia?
Save first, spend what is left. Set an automatic transfer on payday into a separate account, build 3 to 6 months of expenses there, then move the surplus into long-term savings such as EPF, ASB or an ETF.
Is 2 million ringgit enough to retire comfortably in Malaysia?
For most people, yes. Using the common 4% withdrawal rule of thumb, RM2 million supports about RM80,000 a year, or roughly RM6,700 a month. Whether that is comfortable depends on your own spending, which our how-much-to-retire calculator works out.
moomooFree RM1,500*Buka Akaun MoomooVersaSave RM100Free RM10ASNBLabur RM100Free RM10GXBankPinjam RM1000Free RM100SetelFree RM3Setel PETRONASShopeeShopee 50% OffShopeePayFree RM100*ShopeePayShopeeInsurans TravelRM3 sahaja
ShopeeFree Road TaxInsurans ShopeeTNG eWalletRM35 Cashback*TNG Travel Card

Advertisement