🇲🇾 MALAYSIA · BEBAS HUTANG
Malaysia Budget Planner
No credit card · No personal loan · No along · Home loan only · Hajj savings
Health score
—
Age
20s
Surplus
RM —
Tabung Haji
RM —/mo
Focus: Career building, emergency fund — Stay DEBT-FREE!
🚫
Debt-Free Principles — Prinsip Bebas Hutang
❌ Credit Card / Kad Kredit
❌ Personal Loan / Pinjaman Peribadi
❌ Along / Loan Shark
❌ Car Loan / Pinjaman Kereta
❌ BNPL / Hutang Ansuran
✅ Home Loan / Pinjaman Rumah Only
🕌 Tabung Haji for Hajj
🕌
Tabung Haji — Hajj Savings Goal
Save consistently in Tabung Haji every month. Hajj cost estimated RM25,000–RM35,000. The earlier you start, the sooner you go. Tabung Haji gives dividend (2–3% p.a.) and is Shariah-compliant.
💵 Monthly Income
Take-home pay
RM —
Gross − EPF(11%) − SOCSO − Tax
Est. tax / mo
RM —
EPF 11%: — | SOCSO: — | Tax: —
🧾 Monthly Expenses
🏠 Needs — Essential
🛍️ Wants — Lifestyle
🏡 Home Loan — Only Permitted Debt
✅ Home loan / mortgage is the ONLY permitted loan. No credit card, no personal loan, no along, no car loan.
💰 Savings & Investments
🕌 Tabung Haji & Hajj Fund
🕌 Tabung Haji savings are Shariah-compliant, earn dividend, and register you toward the Hajj waiting list. Save monthly consistently.
Total expenses
RM 0
Monthly surplus
RM —
Take-home − Total expenses
Savings rate
—%
Savings ÷ Gross × 100
Home loan ratio
—%
Loan ÷ Gross × 100
Tabung Haji / mo
RM —
Hajj fund progress
—%
Zakat / Sadaqah
RM —
🍩 Spending breakdown
📈 vs. Malaysian average
💡
Debt-Free Tips
🎯 Financial Goals
📅 Milestones
🐷 EPF / KWSP
Your 11%
RM —
Employer 13%
RM —
Total monthly EPF
RM —
Projected at retirement
RM —
at 5.5% p.a.
0% of RM1M
🧾 Tax Relief Checklist
🕌 Tabung Haji — Hajj Savings Planner
Tabung Haji is Malaysia’s official Hajj savings institution. It is Shariah-compliant, gives annual dividend, and registering allows you to join the Hajj waiting list (currently 70–100+ years for some states — start early!).
Target Hajj cost (RM)
Est. RM25,000–RM35,000 (2025)
Your current age
Monthly savings needed
RM —
to reach target in — years
0% funded
Current TH savings/mo
RM —
Years to Hajj target
— yrs
✅ Hajj Preparation Checklist
☎️ AKPK (Credit Counselling): 03-2616 7766 · BNM LINK: 1-300-88-5465 · Report Along to Police / KPDNKK
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