Simple and transparent
How this calculator works
The salary engine orchestrates the EPF and SOCSO/EIS engines, then optionally adds an annualised PCB estimate. Their rules remain separate so one schedule can be updated without rewriting this page.
Monthly Repayment FormulaM = P × r(1+r)ⁿ ÷ ((1+r)ⁿ − 1)
- M = monthly repayment
- P = loan amount
- r = monthly interest rate
- n = number of payments
What you’ll get
Monthly payment
See the main estimate immediately.
Useful context
Understand the result with a visual breakdown.
Planning summary
Compare inputs, assumptions and next steps.
