MONEYMART ASIA FINANCIAL TOOLS
Make sense of your money, on your terms.
Practical calculators and guides designed to help Malaysians make more informed financial decisions. Whether you’re comparing loan repayment or planning ahead, our tools are free, simple and built for everyday use.
Everyday money tools
DSR Calculator
See how your monthly commitments compare with your income and get a clearer view of your debt service ratio.
Available Today
Budget Planner
Build a simple monthly plan around your income, essential spending, goals and the things you enjoy.
Available Today
Emergency Fund Calculator
Build a practical safety net based on your essential monthly expenses, your target coverage and what you’ve already saved.
Available Today
Salary Planner
Map your take-home pay against commitments, savings and day-to-day spending so every ringgit has a purpose.
Coming Soon
Credit Card Calculator
Estimate how interest, repayments and balances can affect the cost of a credit card over time before you make a decision.
Coming Soon
FINANCIAL TOOL #1
DSR Calculator
Use this free DSR calculator to estimate how much of your monthly gross income is already committed to debt repayments. Enter your figures to see your debt service ratio and the remaining room within a target DSR.
DSR Calculator
Current DSR
22.50%
Status
Comfortable
Remaining debt capacity
RM 3,000.00
Estimate only. Final lending assessments may include additional policy and affordability checks.
What is a Debt Service Ratio (DSR)?
Your DSR is the percentage of your gross monthly income used for ongoing debt payments, such as personal loans, car loans, housing finance and credit card commitments. A lower DSR can make it easier to manage your monthly cash flow. This calculator is a planning guide only and does not represent a lending decision or guarantee of approval.
FINANCIAL TOOL #2
Budget Planner
Plan your monthly take-home pay across essential costs, everyday spending and your savings or debt goals. Adjust the figures to see what remains for the month.
Budget Planner
Total allocated
RM 5,200.00
Remaining budget
RM 800.00
Status
Money remaining
Allocation percentages
Needs: 50.0%
Wants: 20.0%
Goals: 16.7%
This planner is an estimate to help structure your monthly budget.
How to use a monthly budget planner
A monthly budget helps you give each ringgit a purpose before it is spent. The familiar 50/30/20 approach can be a useful starting point: needs, wants and savings or debt repayment. Treat it as a flexible guide and adapt the categories to your own commitments, priorities and financial goals.
FINANCIAL TOOL #3
Emergency Fund Calculator
Estimate a fund target from your essential monthly costs and the number of months you want to cover.
Recommended goal
RM 18,000.00
Remaining amount
RM 13,000.00
Progress toward goal
27.8%
How much should you keep?
Many people aim for three to six months of essential expenses, but the right amount depends on your income stability, dependants and monthly commitments. Start with a manageable target, then build it up over time.
Better financial decisions start with better information.
Explore our free financial tools, learn at your own pace and apply only when you are ready.