Quick Tools — HEYNOW

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Home & Car Loan Calculator

Home Loan

Car Loan

Loan amount (RM)

Interest rate (% p.a.)

Tenure (years)

Property price (RM)

RM 1,910/mo

Reducing-balance estimate (home loan).

Indicative only — actual bank offers vary.

Interest Rate Converter

A bank's headline rate (e.g. "6% a year") isn't always what you actually pay or earn — if interest compounds more than once a year, the real (effective) rate is a little higher.

Headline (nominal) rate (% p.a.)

Compounding frequency

6.17%

Effective yearly rate, compounded monthly

For comparing how rates are quoted (loans, fixed deposits, EPF/ASB-style returns) — not a substitute for your bank's official figures.

Currency Exchange

Amount

From

To

RM 465.00

Sample rate — production build fetches live BNM Open API

Indicative only. MYR is a non-internationalised currency regulated by Bank Negara Malaysia.

Public Holiday Tracker

Next 5 upcoming

Merdeka Day31 Aug · in 56 days

Malaysia Day16 Sep · in 72 days

Deepavali8 Nov · in 125 days

Christmas Day25 Dec · in 172 days

New Year's Day 20271 Jan · in 179 days

See full year round holidays ↓

New Year's Day1 Jan

Chinese New Year17–18 Feb

Nuzul Al-QuranMar (varies)

Hari Raya AidilfitriMar/Apr (varies)

Labour Day1 May

Wesak DayMay (varies)

Yang di-Pertuan Agong's BirthdayJun (varies)

Hari Raya HajiJun (varies)

Awal MuharramJul (varies)

Merdeka Day31 Aug

Malaysia Day16 Sep

Prophet Muhammad's BirthdaySep (varies)

Deepavali8 Nov

Christmas Day25 Dec

State holidays (e.g. Sultan's birthday) vary by state selected above — sample data, production build pulls the full JPA-confirmed calendar per state.

Unit & Measurement Converter

Length

Weight

Temperature

Value

From

To

—

For everyday quick reference only — not for precision, legal, medical, or technical use.

Retirement Savings Goal Calculator

Current age

Target retirement age

Current EPF/savings balance (RM)

Monthly contribution (RM)

Expected annual return (% p.a.)

Your target retirement sum (RM) — optional

—

Simplified projection assuming a constant annual return and steady monthly contributions — actual EPF dividends vary year to year and are not guaranteed. Not financial advice; for your own retirement target benchmark, check EPF's official guidance directly.

Net Salary Calculator

Gross monthly salary (RM)

Age

—

Estimated monthly take-home pay

EPF (employee)—

SOCSO (employee)—

EIS (employee)—

Estimated PCB (monthly tax)—

Simplified estimate using standard EPF/SOCSO/EIS statutory rates and current income tax brackets — actual EPF/SOCSO/EIS contributions follow official fixed-amount schedules (small differences vs. exact %), and actual PCB depends on personal reliefs, marital status and number of children, which aren't factored in here (so real take-home pay is usually a bit higher). Not payroll or tax advice — check with your employer or LHDN for exact figures.

Budget Planner

Monthly income (RM)

Use my net salary from the calculator above ↑

Bills (%)

Spend (%)

Savings (%)

Reset to 50 / 30 / 20

Bills

—

Spend

—

Savings

—

Based on the classic 50/30/20 rule of thumb — adjust the percentages to fit your own situation. Not financial advice.

Bantuan Tracker

See which government cash aid you or your family may get in 2026 — Sumbangan Tunai Rahmah (STR), Sumbangan Asas Rahmah (SARA) and Bantuan Warga Emas (BWE) — and when it is paid. No IC number needed.

1. Check who can get what

Name (just for you)

Age

Malaysian citizen?

Married?

“No” includes single, widowed and divorced.

Children you support

MySTR decides which children count.

Total household income a month

If single, use your own income.

Registered as poor in eKasih?

Registered OKU (disabled)?

2. Payout calendar

3. My family

Estimates only — official amounts, dates and approval are decided by MOF, LHDN and JKM. Always confirm on the official sites: STR (MySTR, LHDN) · SARA (MOF) · BWE (eBantuan JKM) · JKM. Your family list stays on this device only. Figures checked October 2026.

Football Fixtures

Every match this season for Malaysia's Liga Super and England's Premier League — all times in Malaysia time (MYT), with scores for matches already played. Late UK games fall after midnight here, so they show under the next day.

Team

Dates and kick-off times often change for TV, weather (e.g. haze) or Asian club games. Fixtures checked 2 October 2026 against the official lists — always confirm before you go: Malaysian Football League (MFL) · Premier League fixtures. "Time TBC" means the league has not yet fixed the kick-off time.

Split the Bill

Type the receipt total and how many people. That's it. If someone had something different, add just them.

Receipt total (RM)

The final total, with service charge and tax already in it.

How many people

2

Subtotal on the receipt (RM)

The amount before service charge and tax, used to add each person's fair share of both. No service charge or tax on the receipt? Leave it empty.

Pick the person and type the price of each thing they had, as on the receipt. Use "+ Add item" for more dishes or drinks. Everyone else shares the rest equally.

Shared dishes

For a dish several people shared, like a plate of fried rice. Type the price once and tick who shared it; it's split equally between them.

Shares are rounded up to the nearest 5 sen, so the bill is always covered; any extra few sen is shown. Groups you save stay on this device only.