Home Purchase Calculator

Before the keys, get a clearer picture of the costs.

Look beyond the property price. Estimate your deposit, buying costs and monthly mortgage, then see how your savings could get you there.

Make it your estimate

Start with the example figures or enter your own. All amounts are in RM.

Use 0 if you plan to buy now.
An editable allowance for legal fees, stamp duty and other costs—not a calculation of statutory fees or exemptions.
Effective annual return after fees; this is not guaranteed.
Illustrative loan rate, not the OPR or a current bank quotation.
Enter 0 if unknown; the income ratio will not be shown.

No sign-up needed. Your figures stay in this browser tab until you choose to include them in an email enquiry.

Illustrative estimate • Editable assumptions

Your planning snapshot

Update the inputs to see your estimate.

How this estimate works
  • Future price = today’s price × (1 + assumed annual price change)^years. The upfront target is your chosen deposit plus your buying-cost allowance, both based on that future price.
  • Savings use an effective annual return and month-end contributions. The extra monthly saving is on top of the amount you already save. Buying now gives an immediate gap instead of a monthly top-up.
  • The mortgage is purchase price less the deposit. Equal monthly repayments use a constant annual loan rate ÷ 12 over the full term. At 0% interest, the principal is divided by the number of months. Rates may change in reality.
  • The mortgage excludes financed fees, insurance/takaful, maintenance and other ongoing ownership costs. The income ratio ignores other debts and does not indicate affordability or lending eligibility.
Useful references

Use these links to check costs and assumptions for your own situation. Example inputs are not quotations.

  • NAPIC / JPPH

    Property market data to help review your price assumptions.

  • PR1MA

    Check available developments, eligibility and application details directly.

  • HASiL / LHDN

    Confirm current stamp duty rules and applicable exemptions for your transaction.

  • Bank Negara Malaysia

    OPR is a policy benchmark, not the mortgage rate offered to you. Ask lenders for actual terms.

  • Malaysian Bar

    Ask a conveyancing lawyer about the legal work, charges and disbursements for your purchase.

  • PropertyGuru Malaysia

    Explore listings. Asking prices are not guaranteed future sale values.