Fahami Wang Anda. Buat Keputusan Lebih Bijak.
Kalkulator kewangan telus dan panduan pendidikan untuk membantu anda memahami pinjaman, faedah, pengurusan hutang, dan bajet tanpa sebarang tawaran mengelirukan.
Terokai Kalkulator Kewangan Percuma
Alat simulasi matematik untuk memodelkan pinjaman, faedah, strategi penyelesaian hutang, dan bajet peribadi.
Loan Repayment Calculator
Estimate periodic installment payments, total interest, fees, and full amortization schedule for any loan.
Loan Affordability Calculator
Estimate how much monthly loan payment comfortably fits within your current income and essential expenses.
Simple vs Reducing Balance Interest Calculator
Compare simple flat interest vs reducing balance amortization to understand how lenders calculate interest charges.
Debt-to-Income (DTI) Calculator
Calculate your overall Debt-to-Income ratio to understand personal financial leverage and debt sustainability.
50/30/20 Monthly Budget Calculator
Organize monthly expenses across Needs, Wants, and Savings to build a resilient personal budget.
Savings & Compound Growth Calculator
Simulate future savings growth, recurring monthly deposits, and the long-term impact of compound interest.
Credit Card Payoff Calculator
Calculate how long it takes to clear credit card debt paying minimum vs fixed monthly amounts and see total interest saved.
Debt Snowball vs Avalanche Calculator
Compare two proven debt payoff strategies to systematically eliminate multiple loans or cards.
Bagaimana FinanceWise Berfungsi
FinanceWise tidak memberitahu produk kewangan mana yang patut dipilih. Kami membantu anda memahami nombor dan kos di sebalik setiap keputusan kewangan.
Masukkan Nombor Anda
Masukkan jumlah pinjaman, kadar faedah tahunan, tempoh bayaran, atau bajet bulanan. Tiada data peribadi disimpan pada pelayan kami.
Terokai Senario
Uji tempoh bayaran balik yang berbeza, kekerapan ansuran, atau kaedah pengiraan faedah (Faedah Rata vs Baki Berkurang) secara masa nyata.
Fahami Kos Sebenar
Semak jadual pelunasan terperinci, pecahan pokok vs faedah, dan jumlah kos pinjaman sebelum membuat sebarang komitmen.
Financial Safety & Scam Prevention
Protect yourself from predatory lending, upfront fee scams, phishing websites, and unauthorized credit brokers in Southeast Asia.
Legitimate licensed lenders and financial institutions NEVER ask you to transfer an upfront deposit, "insurance fee", or "processing tax" to a personal bank account before disbursing a loan.
Upfront Fee Loan Scams
Fraudsters promise guaranteed approval but demand upfront processing fees, collateral insurance, or stamp duty into private accounts.
Fake Financial Apps & APKs
Malicious mobile applications mimic official bank branding to steal phone contacts, OTP SMS codes, and financial credentials.
Recognizing Predatory Lending
Spot exorbitant daily interest rates, hidden rollover charges, and coercive debt collection practices before signing agreements.
Protecting OTPs & Credentials
Never disclose One-Time Passwords (OTPs), PINs, or online banking passwords to anyone claiming to be bank staff or loan officers.
Panduan Berkaitan
Deep dive into practical financial concepts, interest rate math, and debt management strategies.
Apakah Itu APR? Panduan Mudah Kadar Peratusan Tahunan
Ketahui maksud APR, bagaimana ia merangkumi faedah dan yuran wajib, serta kepentingannya dalam menilai kos sebenar pinjaman.
APR vs Kadar Faedah: Apakah Perbezaannya?
A clear side-by-side comparison between nominal interest rate and APR so you never overpay for personal or auto financing.
What Is Principal in a Loan? Definition and Examples
Understand how principal works in amortizing loans, how payments reduce principal, and why principal reduction accelerates over time.
What Is a Loan Term? Choosing the Right Repayment Duration
Short-term vs long-term loans: Learn the trade-off between lower monthly payments and higher overall interest costs.
Fixed vs Variable Interest Rates: Key Differences
Discover how fixed interest rates protect your budget from rate hikes, while floating variable rates fluctuate with central bank benchmarks.
Simple (Flat) Interest Explained: Formula and Calculation
Learn how flat simple interest is calculated on the original principal and why a 5% flat rate is equivalent to nearly a 9% to 10% effective APR.
Frequently Asked Questions
No. FinanceWise is an independent financial education and simulation resource. We never issue loans, arrange financing, collect loan applications, or partner as a loan broker.
Semua nilai adalah anggaran matematik untuk tujuan pendidikan sahaja. Terma dan caj institusi sebenar mungkin berbeza.
Alat pendidikan sahaja. FinanceWise bukan pemberi pinjaman, broker, bank, atau penasihat kewangan.