Quick, instant answers for the most common Malaysian SME calculations — personal income tax, capital allowance on fixed assets, and hire purchase loan instalments. No signup, no email required.
Estimate your yearly LHDN income tax based on chargeable income and resident bands.
Work out Initial & Annual Allowance for fixed assets like vehicles, machinery, IT equipment.
Monthly instalment for a Malaysian car loan — new reducing-balance (EIR) or legacy flat rate.
How much car your salary can afford — or the income a given car price needs.
Enter your chargeable income (gross income minus EPF, lifestyle, and other reliefs) to estimate your annual tax payable under the latest published LHDN resident bands. Useful for end-of-year planning and PCB cross-checks.
Chargeable income = total income − EPF − tax reliefs.
When your business buys a fixed asset — a delivery van, machinery, or a computer — you can claim Initial Allowance (IA) and Annual Allowance (AA) against your tax. This calculator shows the full multi-year schedule until the asset is fully written down.
Malaysia's hire purchase rules changed on 1 June 2026. Under the Hire Purchase (Amendment) Act 2026, the old flat-rate interest and Rule of 78 are abolished for new car loans — lenders now use the effective interest rate (EIR) on a reducing balance, the same way a home loan works, so early settlement finally reflects what you still owe. This calculator does both methods so you can compare like-for-like.
Two questions, one tool: how much car your salary can carry, or what salary a given car needs. It keeps the instalment within a share of your gross income you choose (15% is a common prudent limit) and uses the new reducing-balance / EIR method. Your bank makes the final call via your Debt Service Ratio.
