This calculator estimates what settling a home loan early is worth: the interest you avoid over the remaining years, minus any lock-in penalty. Enter how many years you have been paying and the lock-in period in your loan agreement; the loan balance, remaining tenure and penalty rate are presets. The lock-in period and penalty vary by bank, and the bank confirms the actual settlement amount.
The calculator loads on this page. All figures are estimates for reference only; actual amounts depend on your bank, your lawyer and the authorities.
Other calculators
Financing & Loan
Home Loan Calculator: Work out the monthly instalment and total interest on a home loan in Malaysia from the price, downpayment, interest rate and tenure.
Loan Amortization Schedule: See year by year how a home loan is paid off: opening balance, interest paid, principal paid and what you still owe at the end of each year.
Extra Payment Interest Savings: See how much interest you save and how much sooner a home loan ends when you pay a fixed extra amount of principal every month.
Full-Flexi vs Semi-Flexi Loan: Compare total interest on a semi-flexi and a full-flexi home loan, based on the money you keep in the linked current account and the monthly fee.
Refinance Calculator: Compare your current home loan instalment with the instalment at a new bank's rate, and see the saving after the cost of refinancing.
Affordability
DSR Calculator: Work out your debt service ratio (DSR): monthly commitments including the new home loan, divided by net income, against a reference limit.
Maximum Property Budget: Estimate the highest home loan and property price your income could support, from your net income, existing loans and a reference DSR limit.
Purchase Cost
Stamp Duty & Legal Fees Calculator: Estimate stamp duty on the transfer (MOT) and loan agreement, plus SPA and loan legal fees, for a property purchase in Malaysia.
Upfront Purchase Cost: Add up the cash needed to buy a property in Malaysia: downpayment, stamp duty, legal fees, disbursements and the bank valuation fee.
Renovation Estimator: Add up a home renovation budget item by item: living room, kitchen, bedrooms, bathrooms, air-conditioning, wiring and painting.
Rent vs Buy Calculator: Compare buying a home with a loan against renting a similar home and investing the difference, over a set number of years.
Rental Yields
Rental Yield Calculator: Work out gross and net rental yield from the property price, expected monthly rent and yearly costs such as maintenance and sinking fund.
Airbnb Short-Stay Yield: Estimate yearly short-stay income and net yield from your nightly rate and occupancy, after platform fee, utilities, management and cleaning.
Rental Cashflow & DSCR: See whether the rent covers the loan instalment: monthly net cashflow, cash-on-cash return on your upfront cash and debt coverage ratio.
Taxes & Gains
RPGT Calculator: Estimate real property gains tax (RPGT) on a sale in Malaysia from the purchase price, selling price, years held, costs and seller type.
Exit Profit & ROI: Work out what you keep after selling a property: the gain minus buying costs, agent fee, legal fee, renovation and RPGT, and your return.
Insurance
Fire Insurance Estimator: Estimate a yearly home fire insurance premium from the cost of rebuilding the home, with service tax, stamp duty and contents cover.
MRTA vs MLTA: Compare MRTA and MLTA mortgage cover: an estimated MRTA single premium for your loan against the total MLTA premiums over the tenure.