About SmartCalc MY
Free, accurate, and built for Malaysians. SmartCalc MY gives you 9 calculators and 24 guides — without sign-ups, fees, or data collection.
Our Mission
Most online calculators are built for a global audience and use generic assumptions that don't reflect Malaysian realities — different EPF rates, SOCSO caps, Asian BMI thresholds, and local lending norms. SmartCalc MY was built to fill that gap.
We want every Malaysian — whether you're a fresh graduate calculating your first take-home pay, a homebuyer estimating a mortgage, or someone tracking their health — to have access to reliable tools that reflect your context.
All our calculators are free, run locally in your browser, and are kept up-to-date with the latest Malaysian statutory rates and guidelines.
Our Calculators
View all →BMI Calculator
Uses WHO Asia-Pacific guidelines, with lower thresholds calibrated for Malaysian and Asian adults.
Salary Calculator
Computes EPF (11%), SOCSO, EIS, and estimated PCB income tax using 2024 statutory rates.
Income Tax Calculator
Estimates annual tax payable under LHDN YA 2024 progressive rates with full relief deductions.
EPF Calculator
Projects your KWSP retirement savings year-by-year with employer matching and dividend compounding.
PCB Calculator
Estimates your monthly Potongan Cukai Berjadual (MTD) with TP1 declarations and Zakat rebate.
Loan Calculator
Reducing-balance amortisation with annual schedule — suitable for personal, home, and car loans.
DSR Calculator
Checks your Debt Service Ratio against bank thresholds before you apply for any loan.
SOCSO Calculator
Calculate PERKESO employee and employer contributions for First and Second Category based on 2024 rates.
EIS Calculator
Calculate EIS (SIP) employment insurance contributions — 0.2% each side, wage ceiling RM4,000.
Our Guides
View all →What We Stand For
Malaysia-First
Every calculator uses rates, thresholds, and regulations specific to Malaysia — not generic global figures.
100% Private
All calculations run entirely in your browser. We never collect, store, or transmit your personal data.
Instant Results
No sign-up, no waiting. Enter your numbers and get results immediately.
Works Everywhere
Fully responsive — use SmartCalc MY on your phone, tablet, or desktop.
Important Disclaimer
All results produced by SmartCalc MY calculators are estimates for informational purposes only. They do not constitute financial, medical, or legal advice.
Salary calculations are based on standard statutory rates and a single personal relief — actual deductions depend on your declared reliefs and employer arrangements. Loan repayments assume reducing-balance interest and do not include fees, insurance, or variable rate changes. BMI is a screening tool and should be interpreted alongside professional medical advice. Always consult a qualified professional before making financial or health decisions.