Independent calculator — we don't sell loans, just the math. Why this matters →
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About · Built in Malaysia · Independent

The story behind the numbers.

Kalkulatorapp.com is a small, independent project run by Wilson Lee in Malaysia. The goal is simple: do the math correctly, cite the sources, and never sell the visitor to a bank.

Why this site exists

If you searched for "income tax calculator Malaysia" in 2026, almost every result was a loan or insurance marketplace in disguise. The calculator was bait — the real product was your contact details, sold downstream to banks. That's a perfectly valid business model, but it produces a particular shape of website: one that's optimised for capturing leads, not for getting the math right.

Kalkulatorapp.com flips it: the calculator is the product. We make money in two narrow, clearly disclosed ways — display ads via Google AdSense, and clearly-labelled affiliate links to financial products. Your inputs never leave your browser. There is no signup, no email gate, no "compare loans" funnel.

Who runs the site

The site is built and maintained by Wilson Lee, based in Malaysia. Wilson is not a licensed financial planner or tax agent — the calculators are built from official sources (LHDN, KWSP, BNM, the Stamp Act) and verified against those sources, but they are educational tools, not advice. For decisions that matter, please consult a qualified professional.

If you spot something wrong, want to suggest a calculator, or just want to chat about Malaysian personal finance — please say hello.

How a calculator gets built

  1. We pick a Malaysian financial decision people commonly get wrong (e.g., flat-rate vs reducing-balance loan interest).
  2. We read the actual government source — the LHDN bracket table, the Stamp Act schedule, the EPF contribution circular — not someone's blog post.
  3. We code the formula in plain JavaScript, in the browser, with the rates pulled from a single methodology-controlled file.
  4. Every formula has a unit test with a golden case from the official source. The build won't deploy if a test fails.
  5. The result page shows the formula, the source link, and a "last verified" date. You don't have to trust us — you can verify.

Updates

Whenever the government updates a rate (Budget speech, mid-year revision, new EPF dividend), we deploy within days. The changelog records every change.

What's next

The current backlog: an RPGT (real property gain tax) calculator, a 13th-month bonus tax calculator, a retirement-gap projection that combines EPF and PRS, and Bahasa Malaysia versions of the existing pages. If one of these is a calculator you need, tell us and we'll prioritise it.

The principles