Cash needed up front
RM 8,000
Down payment, booking fee and accessories, less any trade-in.
Memuatkan...
Memuatkan...
The instalment is the part everyone knows. This works out the rest — fuel or charging, insurance, road tax, servicing, tyres, tolls, parking — and shows you the whole monthly figure, the yearly figure, and what share of your income it takes.
It fills in no prices for you. Fuel, electricity, insurance and road tax all move, and a stale figure buried in a calculator is worse than no figure at all, because it still looks authoritative. Enter what you actually pay.
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Step 1
This decides whether fuel, charging or both are counted.
On-the-road price.
What your current car is worth towards this one.
Tint, coating, dashcam — one-off, at the start.
Step 2
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.
Take it from your quotation, and make sure it matches the method you picked above.
Loan amount (calculated)
Price − down payment − trade-in.
Step 3
⚠ Use what you actually pay. This calculator does not track pump prices.
Real-world, not the brochure figure.
Step 4
From your renewal notice.
A set spread across the years you expect it to last.
A provision for the large, occasional bill.
Yearly figures are divided by twelve so everything sits in the same monthly picture.
Step 5
Step 6 — optional
Take-home pay. Leave blank to skip the affordability read.
Your income is calculated in this browser only and is never sent to DuitMap.
Total monthly cost
RM 1,657 / month
RM 19,881 a year. The instalment is usually the smaller half of this figure.
| Loan instalment | RM 1,038 | 63% |
|---|---|---|
| Fuel or charging | RM 184 | 11% |
| Insurance + road tax | RM 124 | 7% |
| Servicing, tyres and maintenance | RM 100 | 6% |
| Tolls, parking and everything else | RM 210 | 13% |
| Total | RM 1,657 |
Cash needed up front
RM 8,000
Down payment, booking fee and accessories, less any trade-in.
Cost per year
RM 19,881
Twelve months of everything above.
Add your net monthly income to see what share of it this car takes.
This calculator invents nothing. Every price, tariff, premium and rate above is a figure you entered, so the answer is only as good as those inputs — which is the point. Check the result against a few months of your own bank statements.
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.
Use this result as an estimate, simulation or early check before comparing it with your actual documents, contracts or records.
Reference basis
This calculator guesses no financing rate, fuel price, electricity tariff, insurance premium or road tax. Every volatile value is entered by the reader; the engine only arranges those figures into a monthly total, a yearly total, an upfront cash figure and a share of income. The affordability bands (light / moderate / heavy / overstretched) are DuitMap's OWN editorial budgeting guidelines held in lib/calculators/affordability-bands.ts and shared by every car calculator on the site, NOT a lender's rule.
Key assumptions
Nothing volatile is assumed
Fuel price, electricity tariff, insurance premium, road tax, servicing and tyres are all reader input. A figure baked into a calculator goes stale silently while still looking authoritative, which is the failure this design avoids. The two prices pre-filled in the form are there so it is not empty and are labelled to be replaced.
Yearly costs become monthly
Insurance, road tax, servicing, tyres, major work and inspection are entered per year and divided by twelve, so a large occasional bill sits in the same monthly picture as the instalment instead of arriving as a shock.
Energy cost by car type
Petrol, diesel and hybrid use fuel only. Battery electric uses charging only, blended between the home and public rates by the share you set. Plug-in hybrid uses both, because it draws on both.
Affordability band
Total monthly car cost over net income, placed in the shared band table. DuitMap editorial thresholds for personal budgeting — not a bank rule, and not a prediction of approval.
Scope of the result
An estimate for general reference, only as good as the figures entered. Check it against a few months of your own bank statements.
Official / related sources
Attorney General's Chambers (AGC) • Checked 7 August 2026
Attorney General's Chambers (AGC) • Checked 7 August 2026
Bank Negara Malaysia (BNM) • Checked 18 August 2026
Most people decide whether they can afford a car by comparing the monthly instalment to their salary. That comparison leaves out the half of the cost that arrives as fuel, insurance renewals, service invoices, a set of tyres, and the tolls and parking that come with driving the thing.
Those costs do not scale with the loan. A cheaper car financed over a longer tenure can easily cost more to keep on the road than a more expensive one — higher consumption, a pricier insurance band, parts that are harder to get. The breakdown here is a percentage column for exactly that reason: it shows you which line is actually driving the total.
The one input worth revisiting is the yearly provisions. Tyres and major work feel like they are free until the month they are not. Spreading them is what makes the monthly figure something you can plan against rather than a number that is right eleven months of the year.
There is no single answer, which is exactly why this calculator asks for so many figures. The instalment is usually the smaller half. Fuel or charging, insurance, road tax, servicing, tyres, tolls and parking together often match or exceed it, and they are the part people leave out when they decide whether a car is affordable. Enter your own numbers and the breakdown shows you the split.
Because a fuel price, an electricity tariff and an insurance premium all move, and a figure baked into a calculator goes stale silently. It would still look authoritative while being wrong. Every volatile number here is yours to enter, which means the answer is only as good as your inputs — and that is the honest trade. Take fuel from your last fill, electricity from your bill, and insurance from your renewal notice.
As a yearly provision, not as the bill when it lands. A set of tyres you expect to last three years is roughly a third of its price each year. The same applies to a timing belt, a battery, or any large occasional job. Spreading them is what turns a series of shocks into a number you can plan around — and it is the difference between a car that seems affordable and one that is.
The calculator reads your total car cost against your net income and places it in a band. Those bands are DuitMap’s own budgeting guidelines, shared across every car calculator on the site so they cannot contradict each other. They are not a lender’s rule — Malaysian banks do not publish their internal limits — and they say nothing about whether you will be approved. They are about whether the next few years have room in them for this car.
Yes. Choose battery electric and the fuel fields are replaced with consumption in kWh per 100km, your home and public charging rates, and the split between them — which matters more than most people expect, because public charging can cost several times what home charging does. Plug-in hybrids get both sets of fields, because they use both.
No. Every calculation runs in your browser. Nothing you type is sent to or stored on a DuitMap server. The calculator needs no login and collects no personal data.