All car costs together
RM 1,702 / mo
Instalment plus insurance, road tax, fuel or charging and servicing.
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Work out what car price your salary actually supports. Enter your income, your existing commitments and what the car will cost to run, and the calculator returns a safe monthly instalment, a maximum car price, and what your commitments would look like after buying.
It also tells you which ceiling is holding the figure down — your commitments, the instalment itself, or the cost of keeping the car on the road. That is usually the difference between a useful answer and a number.
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Step 1
Take-home pay, after statutory deductions.
Other loans, credit card minimums, personal financing.
Rent or housing, food, bills, childcare. Leave blank to skip the cash-buffer check.
Total commitments under 50% of net pay, the car instalment under 20%, and all car costs together under 30%, leaving a 15% buffer.
These profiles are DuitMap's own budgeting guidelines, not a bank's lending policy. Malaysian lenders do not publish their internal limits, and they will assess you on their own criteria.
Step 2
On-the-road price. Leave it to see only your safe maximum.
As a percentage of the price.
A longer tenure lowers the instalment but raises the total cost of financing.
From 1 June 2026, new hire-purchase financing uses reducing balance with a disclosed EIR — the flat-rate method is abolished for new agreements. An industry transition period runs to 31 March 2027, so a quotation issued today may still use the older method. Pick whichever your quotation states; an existing contract stays on flat rate.
The 2026 amendment makes EIR disclosure mandatory on a quotation, so take the figure from there. An EIR is higher than a flat rate for the same cost.
Step 3
Per month.
Per month.
Per month, averaged.
Running costs are part of the affordability test, not an afterthought — for many buyers they are what actually binds. Your figures are calculated in this browser only.
Car price you can support
RM 64,650
On a safe instalment of about RM 850 a month, with a deposit of roughly RM 6,465.
What is holding the figure down
Total running cost of the car
Running costs are what cap the figure, not the loan. Insurance, road tax, fuel or charging and servicing are using the room. A cheaper car to run gives you more room than a cheaper car to buy.
The car you entered
Risky
Risky. Consider a cheaper car, a larger deposit, or a different tenure.
All car costs together
RM 1,702 / mo
Instalment plus insurance, road tax, fuel or charging and servicing.
Cash left each month
RM 3,298
After commitments, living costs and the car.
Commitments before
0%
Existing commitments over net income.
Commitments after
21%
With this car's instalment added.
| Total commitments | RM 2,500 |
|---|---|
| Instalment share of pay | RM 1,000 |
| Total running cost of the carbinding | RM 850 |
| Safe instalment (the lowest) | RM 850 |
This car costs more than your safe instalment
The instalment on the car you entered is above the safe instalment this profile allows. Try a lower price, a larger deposit, or a different tenure.
Running costs are the constraint, not the loan
What limits you here is not the instalment but the cost of keeping the car on the road — insurance, road tax, fuel or charging, and servicing. A car that is cheaper to run frees up more than a car that is cheaper to buy.
This is an educational budgeting estimate, not financial advice and not a forecast of what a lender will approve. Banks assess income, commitments and credit history on their own criteria, which they do not publish.
Important note
This calculation is an estimate for education and early planning only. Actual results can differ according to your inputs, current policies, official documents, contracts, rates, charges and the methods used by the relevant provider. Check with the official authority or institution before making a financial decision.
A loan estimate is not a bank approval. Banks and financial institutions may use different assessment methods, rates, charges, documents and credit policies.
Reference basis
This calculator guesses no financing rate, bank approval condition, insurance premium or road tax. Every value is entered by the reader; the engine only arranges those figures into a safe instalment, a maximum car price, commitments before and after, and a risk reading. The affordability profiles are DuitMap's OWN editorial budgeting guidelines, informed by the healthy 30-40% debt-service range PIDM describes in its financial literacy material. They are NOT a lender's rule and NOT a prediction of approval: Malaysian lenders do not publish their internal debt-service ceilings, which vary by lender, product and income band.
Key assumptions
Safe instalment
The LOWEST of three ceilings: the commitments ceiling (income x profile limit, minus existing commitments), the instalment-share ceiling (income x profile limit), and the total-car-cost ceiling (income x profile limit, minus running costs). Floored at RM0. The result names which one binds, because that determines whether the fix is a larger deposit or a different car.
Affordability profiles
Three settings for how much room is left after the car, each with its own limits on total commitments, instalment share, all-in car cost and minimum cash buffer. The exact figures are rendered from AFFORDABILITY_PROFILES and shown under the selector. DuitMap editorial thresholds, not bank rules.
Instalment and maximum price
Reducing balance with EIR disclosure is the DEFAULT because the Hire Purchase (Amendment) Act 2026 made it mandatory for new agreements from 1 June 2026; flat rate is kept selectable for existing contracts and for quotations issued during the industry transition window to 31 March 2027. The maximum car price is computed back from the safe instalment at the chosen deposit and method.
Running costs are user input
Insurance, road tax, fuel or charging and servicing are entered by the reader, not estimated. No premium or tariff is embedded anywhere in this tool.
Scope of the result
A personal budgeting estimate for general reference. Not financial advice, and not a forecast of what any lender will approve.
Official / related sources
PIDM • Checked 8 July 2026
Attorney General's Chambers (AGC) • Checked 7 August 2026
Association of Banks in Malaysia (ABM) • Checked 8 July 2026
A lender is deciding whether it will get its money back. You are deciding whether the next seven or nine years of your life have room in them for this car. Those are different questions, and they have different answers often enough to be worth separating.
This calculator answers the second one. The limits it applies are DuitMap's own budgeting guidelines, shown in full under the profile selector so you can see exactly what is being assumed. They are not a bank's credit policy, and no percentage on this page should be read as one — Malaysian lenders do not publish those figures.
The one thing worth taking seriously either way: if a car only fits your budget at the longest available tenure and the thinnest buffer, the constraint you have found is the car.
There is no single figure, because the instalment is only part of what a car costs. What matters is how much room is left after your existing commitments, your living costs, and the cost of actually running the car — insurance, road tax, fuel or charging, servicing and tyres. This calculator works backwards from your income to a safe monthly instalment, then converts that into a car price at the deposit, tenure and rate you choose.
No, and it is not trying to be. The profiles here are DuitMap’s own budgeting guidelines. Malaysian lenders do not publish their internal debt-service ceilings — they vary by lender, by product and by income band — so any specific percentage presented as “the bank’s limit” is folklore. A bank may approve more than this calculator suggests is comfortable, and being approved is not the same as being able to afford it.
Because for a great many buyers the running costs are what actually bind, not the loan. A car with a low instalment but high insurance, poor fuel economy and expensive servicing can leave less room than a more expensive car that is cheap to keep. The result tells you which of the three ceilings is binding, so you know whether the fix is a bigger deposit, a shorter tenure, or a different car altogether.
They set how much breathing room you want left after the car. The conservative profile keeps commitments and total car costs well below your income and insists on a real cash buffer. The balanced profile is the middle setting. The stretched profile allows the highest commitments and the thinnest buffer — it will show you a bigger car, and it leaves you least able to absorb a bad month. Each profile’s exact limits are shown under the selector.
It will lower the monthly figure, which is why it is offered. It will not lower the cost. You pay interest for longer, so the total is higher, you are tied to the car for longer, and you are more likely to owe more than it is worth if you need to sell early. If a car only fits at the longest tenure, that is information about the car, not about the tenure.
No. Every calculation runs in your browser. Your income, commitments and living costs are never sent to or stored on a DuitMap server. The calculator needs no login and collects no personal data.