Your Personal Finance Tool
Free Financial Tools
Financial calculators and planning tools designed specially for Malaysians.
EPF Calculator
Estimate your EPF retirement savings based on 2026 contribution rates.
Try Now →Cash Flow Calculator
Calculate your monthly net income after EPF, SOCSO, PCB and fixed expenses.
Try Now →Loan Calculator
Calculate monthly instalments for personal loans, home loans, and car loans.
Try Now →Zakat Calculator
Calculate your income and savings zakat using approved methods.
Try Now →Income Tax Calculator
Estimate your yearly income tax based on the latest LHDN rates.
Try Now →GajiNow Early Salary Access
Access up to 50% of the salary you have already earned. 0% interest.
Get Salary →Find the Best Credit Card
Choose your category and income. We'll show you the best cards from banks in Malaysia.
Data from RinggitPlus, updated April 2026
Hong Leong Wise Credit Card
Hong Leong
15% cashback. RM98/year fee
RHB Shell Visa Credit Card
RHB
12% cashback at Shell
RHB Cash Back Visa Credit Card
RHB
10% cashback across multiple categories
AmBank Cash Rebate Visa Platinum
AmBank
10% cashback. Free for life
UOB Simple Card
UOB
10% cashback with no minimum spend
RHB Islamic Cash Back Credit Card-i
RHB
10% cashback. Shariah-compliant
* Fees are waived subject to certain conditions. Please check with the relevant bank.
Compare the Best Loans in Malaysia
Latest loan rates from major banks in Malaysia.
Source: RinggitPlus, updated April 2026
Personal Loans
From 3.45% p.a.
| Loan | Bank | Rate |
|---|---|---|
Co-opbank Pertama Lestari-i (Kerajaan) Lowest rate for government employees | Co-opbank Pertama | 3.45% p.a. |
GX FlexiCredit Digital bank. Fast approval | GXBank | 3.78% p.a. |
AEON Bank Personal Financing-i Low rate. Easy application | AEON Bank | 3.88% p.a. |
Co-opbank Pertama Lestari-i (Swasta) Lowest rate for private sector | Co-opbank Pertama | 3.99% p.a. |
CIMB Cash Plus Personal Loan Competitive rates from CIMB | CIMB | 4.38% p.a. |
Home Loans
From 2.88% p.a.
| Home Loan | Bank | Rate |
|---|---|---|
Maybank Islamic HouzKEY Lowest rate. Up to 100% financing | Maybank | 2.88% p.a. |
Bank Islam Baiti Home Financing-i Fully Shariah-compliant | Bank Islam | 3.80% p.a. |
Bank of China Housing Loan Competitive rate for all | Bank of China | 3.88% p.a. |
Standard Chartered Saadiq My HomeOne-i Premium Islamic flexi | Standard Chartered | 3.90% p.a. |
Al Rajhi Home Financing-i Islamic home financing | Al Rajhi | 3.90% p.a. |
Personal Finance Guide
Essential tips to manage debt, credit, and loans in Malaysia.
Credit Score & CCRIS
- •Score 744–850 = excellent. Eligible for best rates
- •Score 697–717 = good. Still eligible for most loans
- •Below 651 = risky. Focus on repaying debts first
- •Check CCRIS score via eSPICK or CTOS
Debt Service Ratio (DSR)
- •Ideal DSR: 30%–40% of net income
- •Home loan ≤ 30–35% monthly income
- •Above 60% may get rejected
- •Reduce existing debt before applying
Smart Credit Card Tips
- •Pay full every month — avoid 15–18% interest
- •Minimum payment is a trap
- •Cash advance = very high cost
- •Choose card based on spending habits
Personal Loan vs Credit Card
- •Loan: 3.45–12% p.a.
- •Card: 15–18% p.a.
- •Consolidate debt to save cost
- •BNM banning flat rate from 2027
Latest Financial Tips
Articles and guides to help you manage your finances better.
EPF Dividend Rates in Malaysia: What You Need to Know
Understand how EPF dividends work and how they impact your retirement savings.
Best High-Interest Savings Accounts in Malaysia
Compare the top savings accounts in Malaysia that offer high interest rates and better returns.
Malaysia Petrol Prices Live Updates: RON95, RON97 & Diesel
Learn how petrol prices in Malaysia are determined and what affects weekly fuel price changes.
What Is The Best Cashback Credit Card For Online Shopping In Malaysia?
Compare the best cashback credit cards in Malaysia for online shopping and learn how to maximise your savings.
Best Bank Vouchers To Collect Before Lazada & Shopee 5.5 Sales
Discover the best bank vouchers, cashback deals, and shopping tips before the Lazada and Shopee 5.5 mega sale.
Contact Us
Have questions? We're here to help.
Frequently Asked Questions
Get answers to the most commonly asked questions about GajiNow
You can access up to 50% of your earned net salary.
Repayment will be automatically deducted from your next payday.
Yes, we work with your employer to ensure a smooth and secure process.