1. What this site is
Kalkulatorapp.com provides free, browser-based financial calculators for Malaysia (and a small number of regional comparisons). The calculators are educational tools intended to help you sanity-check numbers and plan decisions. They are not a substitute for advice from a qualified tax agent, financial planner, lawyer, or licensed bank officer.
2. Estimates only
Every output is an estimate based on the formulas and rates documented on our methodology page. Your individual circumstances may change the result — bonuses, joint assessment, foreign income, special incentives, mid-year regulatory changes, lender-specific policies, and so on. For decisions that matter (filing a tax return, signing a loan agreement, retirement planning), confirm the final numbers with the relevant authority or a licensed professional.
3. No financial, tax, or legal advice
Nothing on this site constitutes financial, tax, legal, or investment advice. We are not a licensed financial planner, tax agent, or legal practitioner. You are responsible for your own decisions.
4. Accuracy and updates
We update the rates on this site whenever the relevant authority — LHDN, KWSP, Bank Negara Malaysia, the Inland Revenue, or others — publishes a change. We aim to deploy within days of an announcement. Each calculator displays a "Last verified" date. Despite our best efforts, errors are possible. If you spot one, please tell us and we will correct it and credit you in the changelog.
5. Use of the site
You may use the calculators for any lawful purpose, including printing, screenshotting, or sharing the result links. You may not:
- Scrape the site at a rate that disrupts other users.
- Republish substantial portions of the methodology page or calculator copy without attribution.
- Use the site to commit fraud, misrepresent your finances to a third party, or facilitate any illegal activity.
6. Third-party content and links
The site contains links to government sources, news articles, and partner products. We are not responsible for the content of third-party websites. Where a link is part of an affiliate or commercial relationship, it is clearly labelled — see our affiliate disclosure.
7. Advertising
This site shows advertisements served by Google AdSense and similar networks. We do not endorse or vouch for the products or services that appear in those ads. See our privacy policy for what data the ad networks may collect.
8. Limitation of liability
To the maximum extent permitted by law, Kalkulatorapp.com and its operators are not liable for any direct, indirect, incidental, or consequential loss arising from your use of (or inability to use) the calculators or any information on this site, including but not limited to losses from financial or tax decisions made in reliance on a calculator output.
9. Changes to these terms
We may update these terms occasionally. The "Last updated" date at the top of this page reflects the most recent change. Continued use of the site after a change constitutes acceptance of the updated terms.
10. Governing law
These terms are governed by the laws of Malaysia. Any dispute will be subject to the non-exclusive jurisdiction of the Malaysian courts.
11. Contact
Questions about these terms? Email wilson.lee.feedback@gmail.com.