Kira dulu sebelum sign.
Kira dulu means work it out first. It's good advice before any big money decision.
Buying a home, a car, taking a loan or starting to invest? KiraDulu gives you free calculators and plain-English guides, so you can see the real numbers before you commit to anything.
Buying a home?
Quick estimateAssumes a 90% loan, a Malaysian buyer, and that it isn't your first home.
What KiraDulu covers
We're starting with property, because that's where a small oversight can cost you thousands. Guides on the other topics are being written now and will go up one at a time.
Property and home ownership
Buying, selling, refinancing, renting out and owning a home in Malaysia. Two calculators and five guides so far, all focused on the costs that catch people off guard.
Cars
Hire purchase, insurance, road tax and what a car really costs you each month.
Personal loans and credit
Personal loans, credit cards, CCRIS and CTOS, and how to borrow without regretting it.
Investing
ASB, unit trusts, ETFs and shares: the basics to know before you put money in.
Everyday money
Budgeting, emergency funds, insurance and making the most of your tax relief.
Big purchases
Renovations, weddings, gadgets and other big spends, planned so they don't turn into debt.
EPF and retirement
How your EPF accounts work, when you can withdraw, and how much is enough.
How the calculator works
It takes about a minute. You don't need to sign up or give us any personal details.
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Enter the price and your loan
That's really all it needs. Tell it if this is your first home, and it'll apply the stamp duty relief for you.
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See every cost, line by line
Legal fees, service tax, stamp duty and disbursements, with the working shown so you can check it yourself.
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Keep a copy
Print it, save it as a PDF, or send the link to your spouse, your agent or your banker.
Why you can trust the numbers
Based on the official rules
Legal fees follow the Solicitors' Remuneration Order 2023. Stamp duty follows the Stamp Act 1949 and the latest Budget measures. We link to our sources so you can check them.
Dated and re-checked
Rules change, usually with each Budget. Every calculator shows the date its figures were last checked, and we update them when the rules move.
Information, not a sales pitch
KiraDulu isn't a law firm, a bank or a financial adviser. We explain how things work so you can ask better questions and make your own decision.
Signing an SPA soon?
Find out what you'll really pay before the lawyer's quote lands in your inbox.