Income / Pendapatan
Housing / Perumahan
Transportation / Pengangkutan
Food & Groceries / Makanan
Loans & Debt / Pinjaman
Family & Education / Keluarga
Healthcare / Kesihatan
Savings & Investments / Simpanan
Lifestyle & Entertainment / Gaya Hidup
Summary
Total Monthly Income
RM 0
Total Monthly Expenses
RM 0
Net Balance
RM 0
Savings Rate
0%
Expense Breakdown
Category Breakdown
| Category | Amount (RM) | % |
|---|
Financial Health Indicators
Debt-to-Income Ratio
--
0%
Recommended: below 40%. Includes mortgage, car loan, personal loan, credit card, PTPTN, and other loans.
Savings Rate
--
0%
A savings rate above 20% is considered healthy for long-term financial security.
50/30/20 Rule Comparison
Compare your spending against the recommended 50% Needs / 30% Wants / 20% Savings split.
Needs
0%
Target: 50%
Wants
0%
Target: 30%
Savings
0%
Target: 20%
Malaysian Financial Tips
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EPF Voluntary Contribution You can claim tax relief up to RM4,000 for voluntary EPF contributions (self-employed) or additional voluntary contributions. This reduces your taxable income while boosting your retirement savings.
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SSPN-i Education Savings Deposits into SSPN-i (Skim Simpanan Pendidikan Nasional) qualify for tax relief up to RM8,000 per year. Great for parents saving for children's higher education.
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PRS Private Retirement Scheme Contributions to approved PRS funds qualify for tax relief up to RM3,000 per year. This supplements your EPF retirement savings and provides additional investment diversification.
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Zakat as Tax Deduction Zakat payments (fitrah and harta) can be used as a tax rebate, directly reducing your tax payable on a ringgit-for-ringgit basis. Keep your zakat receipts for tax filing.