Plan Smarter. Invest Better.
Useful calculators for property financing, legal fees, tenancy costs, stamp duties, total purchase costs, RPGT, rental yield and investment returns.
Mortgage Calculator
Estimate monthly loan repayment and total financing cost.
Loan Margin Comparison
Compare different financing margins using the same property price, interest rate and loan tenure.
| Loan Margin | Loan Amount | Down Payment | Monthly Instalment | Total Interest |
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SPA Legal Fee Calculator
Estimate legal fees for a standard non-HDA sale and purchase transaction.
Disbursements, registration charges, consent fees and other transaction costs are not included.
Loan Legal Fee Calculator
Estimate legal fees for standard financing documentation.
Tenancy Legal Fee & Stamping Calculator
Estimate legal fees and current stamp duty for a standard tenancy agreement in Malaysia.
Current stamp duty rates from 1 January 2025 are RM1, RM3, RM5 and RM7 for every RM250 or part thereof of annual rent and other consideration, depending on the tenancy period. The former RM2,400 annual rent exemption no longer applies. This calculator is for current agreements and does not calculate late stamping penalties.
Stamp Duty Calculator
Estimate property transfer stamp duty and loan agreement stamp duty.
This estimate does not apply exemptions, remissions or special instruments.
Total Purchase Cost Calculator
Estimate the upfront cash required to complete a property purchase, including legal fees and stamp duties.
Disbursements, valuation fees, registration fees, consent fees, bank charges, insurance and other transaction costs are not included.
Total Purchase Cost Comparison
Compare estimated upfront purchase costs across different loan margins using the same property price and legal fee settings.
| Loan Margin | Loan Amount | Down Payment | SPA Legal Fee | Loan Legal Fee | Service Tax | Transfer Stamp Duty | Loan Stamp Duty | Total Upfront Cash |
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RPGT Calculator
Estimate Real Property Gains Tax based on the selected disposer category and holding period.
RPGT can involve detailed statutory adjustments, exemptions, losses and deemed values. This calculator is an estimate only.
Rental Yield Calculator
Compare gross and net rental yield for an investment property.
Investment Return Calculator
Estimate property investment returns with automatic loan repayment, interest, principal and outstanding balance calculations.
Estimated annualized IRR:
Initial cash includes the down payment, estimated SPA legal fee, loan legal fee, service tax where selected, transfer stamp duty, loan agreement stamp duty and other upfront costs entered above. RPGT and income tax are not included here. Use the RPGT calculator separately where relevant.
Important: These calculators provide general estimates only. Actual legal fees, tax, stamp duty, financing costs, loan terms, allowable expenses, exemptions and investment results can differ. Please obtain professional advice for your specific transaction.