PTPTN Loan Calculator Malaysia — Monthly Repayment & Payoff

Calculate your monthly repayment, total interest charged, and payoff date. See the impact of paying extra.

Your PTPTN Details

Total PTPTN Loan Amount (RM) Check your PTPTN statement or i-Akaun PTPTN

Current Outstanding Balance (RM) If already repaying, enter remaining balance

Ujrah / Interest Rate (% per year) Standard PTPTN ujrah: 1% p.a.

Loan Term (years) Default: 15 years (180 months)

Extra Monthly Payment (RM) See how extra payments shorten your loan

Repayment Start Year Used to calculate payoff date

About PTPTN Loans

PTPTN (Perbadanan Tabung Pendidikan Tinggi Nasional) provides education loans to Malaysians studying at public and private universities. Unlike conventional bank loans, PTPTN charges a very low ujrah (administrative fee) of 1% per year — one of the most affordable education financing options in the country.

Repayment typically begins one year after graduation. The standard repayment period is 15 years, with a minimum monthly repayment of RM150. Borrowers can check their outstanding balance, repayment schedule, and make payments through the PTPTN website or i-Akaun PTPTN.

Discounts You Shouldn't Miss

15% discount for full settlement: If you can clear the entire outstanding balance in one payment, PTPTN gives you a 15% discount — a significant saving on larger balances.
10% discount for consistent repayment: Borrowers who make full monthly payments on time consistently may be eligible for a 10% rebate on interest charged.
Temporary exemption: Borrowers earning less than RM2,000/month are currently exempt from mandatory repayment (subject to income verification).

Salary Deduction Scheme

PTPTN can deduct repayments directly from your salary (similar to EPF and SOCSO). The deduction rate depends on your income bracket — it ensures you're always repaying without needing to remember monthly payments. This is also the most reliable way to qualify for the on-time-payment discount.

Should You Pay Off PTPTN Early?

At 1% per year, PTPTN is among the cheapest debt you'll ever have. If you have higher-interest debt (credit cards at 18%, personal loans at 6–12%), pay those off first. That said, if you have spare cash and the full-settlement discount is still available, clearing PTPTN can give you a guaranteed 15% return on that lump sum — hard to beat risk-free.