SempoaDuitKnow your tax bill before LHDN does.
Every major YA 2025 relief, the RM400 rebate and zakat, checked against the PCB you've already paid. You'll know whether a refund is coming.
Calculate your taxKalkulator kewangan Malaysia
Know your money, to the sen.
Tax, salary, EPF and property calculators built on the latest LHDN, KWSP and Budget 2026 rules. They're fast, private and free, with the full working shown.
Rates checked September 2026No sign-upNothing leaves your device
Kenapa SempoaDuit
Money in Malaysia comes with fine print. Tax reliefs, contribution rates, legal fee scales and Budget exemptions. SempoaDuit reads all of it, then gives you one clear number.
Five calculators
One for every money question this year.
See what actually reaches your account.
EPF, SOCSO, EIS and PCB are taken out of your gross pay, and what your employer really spends on you is shown too.
Check your take-home payWatch your EPF compound, year by year.
Your salary rises, contributions flow in, and the 6.15% dividend does the heavy lifting. See the whole curve to 55, 60 or 65.
Project your EPFYour home loan, before you sign.
The monthly instalment, 35 years of interest laid out honestly, and the cash you need on the day you sign.
Plan your loanFirst home under RM500k? Stamp duty is RM0.
The Budget 2026 exemption runs to 31 December 2027. See what it saves you, plus the lawyer fees you'll still pay under SRO 2023.
Estimate your costsDibina seperti sempoa
Built like an abacus. Simple, exact, yours.
Counts on your device.
Every calculation runs in your browser. Nothing is uploaded, stored or sold, and there's no account to create.
0.00%
The EPF dividend for 2025, declared February 2026 and already built into the projection.
RM 0
Stamp duty a first-time buyer saves on a RM500,000 home with a 90% loan, until 31 December 2027.
15 reliefs, capped correctly.
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