the debt calculator
Where do you actually stand?
Type in what you owe, what you bring home, and what’s already promised away. We’ll work out your debt health score, what to clear first, and how long until you breathe easy. Nothing leaves your device — no save, no track.
cash flow
Where the money lands.
Round numbers are fine. The calculator updates as you type.
After EPF, SOCSO, PCB, and other payroll deductions.
Rent, food, petrol, utilities, family support. Do not include debt repayments — those go in the debt list below.
On top of the minimum payments below. Leave at 0 if unsure — the result section will recommend amounts.
debts
What you owe right now.
One card per debt. Add as many as you need — credit cards, PTPTN, BNPL, family, ah long. Whatever is real for you.
Add at least one debt to build your repayment route.
strategy
Snowball or avalanche?
Avalanche usually saves more interest. Snowball gives faster small wins.