Malaysia πŸ‡²πŸ‡Ύ

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Clean, accurate checklists and step-by-step guides for Malaysian bureaucracy. No more hunting across 10 government sites.

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Try searching for: property, bank, car, tax, passport, marriage, will, PTPTN

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Malaysian Tax Filing Cheatsheet 2025 Premium

Every relief, every deduction, every deadline β€” for YA 2025. Stop leaving money on the table. Includes e-Filing walkthrough, 30+ reliefs with RM caps, and a documents checklist.

RM9.90 one-time Β· instant download Get it β†’
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Broadband Plan Finder NEW
Interactive tool β€” filter by budget, speed, and contract. Sort and compare every Malaysian broadband plan side by side.
Interactive ToolTry it
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Car Loan Calculator NEW
Calculate monthly repayments instantly. Compare rates from Maybank, CIMB, Public Bank, Hong Leong & RHB side by side.
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Mobile Plan Finder NEW
Compare every Malaysian mobile plan. Filter prepaid and postpaid from Digi, CelcomDigi, Maxis, U Mobile, Yes 5G and Tune Talk.
Interactive ToolTry it
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Credit Card Comparison NEW
Compare Malaysian credit cards by cashback, rewards, travel miles, or Islamic options. Filter by income and spending habits.
Interactive ToolTry it
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E-Wallet Comparison NEW
Compare 9 Malaysian e-wallets β€” TNG, GrabPay, Boost, MAE, ShopeePay, BigPay and more. Filter by cashback, bill pay, investments, and international use.
Interactive ToolTry it
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Car Insurance Calculator NEW
Estimate your car insurance premium. Compare comprehensive, third-party, and takaful plans from major Malaysian insurers.
Interactive ToolTry it
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Medical Insurance Comparison NEW
Compare 19 medical card plans from 10 Malaysian insurers. Filter by annual limit, room type, and age β€” standalone and rider plans.
Interactive ToolTry it
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Life Insurance Comparison NEW
Compare 18 life insurance plans from 10 Malaysian insurers. Estimate premiums by age, gender, and sum assured β€” term life, whole life, and ILP.
Interactive ToolTry it
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Home Insurance Comparison NEW
Compare houseowner (fire) and householder (contents) insurance from 8 Malaysian insurers. Estimate premiums by property value and type.
Interactive ToolTry it
Takaful vs Conventional Insurance NEW
Understand the key differences between takaful and conventional insurance. Side-by-side comparison, provider guide, and decision helper.
Comparison GuideRead it
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Home Loan Comparison NEW
Compare 17 home loan packages from 9 Malaysian banks. Filter by conventional or Islamic, sort by rate, and calculate your monthly repayment.
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Personal Loan Comparison NEW
Compare 14 personal loans from Malaysian banks. Calculator shows monthly repayments, total interest, and DSR estimate for every bank.
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Savings Account Comparison NEW
Compare 16 savings accounts from Malaysian banks. Filter by Islamic, digital, or bonus accounts β€” with interest calculator.
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Fixed Deposit (FD) Rates NEW
Compare FD rates from 15 Malaysian banks. Best rates for 1M, 3M, 6M, 12M, and 24M tenures β€” with interest calculator.
Interactive ToolTry it
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EPF Retirement Calculator NEW
Project your KWSP balance at retirement. Check EPF basic savings thresholds and estimate monthly withdrawals over 20 years.
Interactive ToolTry it
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Income Tax Calculator NEW
Calculate your Malaysian income tax for YA 2025. Full bracket breakdown, effective rate, and common reliefs (EPF, SOCSO, lifestyle) included.
Interactive ToolTry it
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PTPTN Loan Calculator NEW
Calculate your PTPTN repayment schedule. See salary deduction rates, total ujrah cost, and lump-sum settlement savings.
Interactive ToolTry it
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Rental Yield Calculator NEW
Calculate gross & net rental yield, monthly cash flow, and total acquisition costs for Malaysian property investments.
Interactive ToolTry it
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Stamp Duty Calculator NEW
Calculate stamp duty (MOT), legal fees, and total upfront property costs. Includes first-time buyer exemption for properties up to RM500,000.
Interactive ToolTry it
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Unit Trust Fee Comparison NEW
Compare total fees across direct fund house, unit trust agent, and robo-advisor channels. See net returns, effective cost ratio, and year-by-year growth over your investment period.
Interactive ToolTry it
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Unit Trust & ASB Comparison NEW
Compare 15 ASNB and private unit trust funds β€” ASB, ASB2, ASN Equity, Public Mutual & more. Dividend history, returns calculator, and eligibility filter.
Interactive ToolTry it
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ASB Loan Calculator NEW
Should you take ASB financing? Calculate net profit vs interest cost, compare 6 banks, see year-by-year breakdown. Includes dividend history chart.
Interactive ToolTry it
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Zakat Calculator NEW
Calculate zakat on savings, gold, investments, and business assets. Includes nisab threshold check, full breakdown by asset type, and links to all state zakat collection centres.
Interactive ToolTry it
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Buying Your First Property POPULAR
SPA, loan docs, stamp duty, lawyer fees, MOT β€” the full timeline from offer to key collection.
3–12 monthsComplex
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Checking Your Credit Score (CCRIS & CTOS) NEW
Free CCRIS via eCCRIS (RM1 refundable). Free CTOS twice a year. What lenders see, how to read your report, and how to dispute errors.
FreeBefore any loan
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Applying for a Home Loan
Eligibility (DSR, CCRIS), required documents, bank rates, MRTA vs MLTA, lock-in periods, and first-time buyer schemes.
2–8 weeksEssential
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First Home Buyer Schemes (MyDeposit & More)
MyDeposit is suspended β€” here's what it was and which schemes are active in 2026: SRP (100% financing), PR1MA, Residensi Wilayah, Rumah Selangorku, and stamp duty exemptions.
VariesFirst-time buyers
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Residensi Wilayah (RUMAWIP): Affordable Housing in KL/WP NEW
How to apply for subsidised housing in Wilayah Persekutuan via ballot. Eligibility, required documents, the ballot process, and what happens after you're selected.
RM63k–RM300kWP residents
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Renting Your First Apartment NEW
Tenancy agreement, deposits, stamping, landlord rights, inventory check β€” everything before you sign.
2–4 weeksModerate
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Renewing Your Tenancy Agreement NEW
Lease expiring? Stamp duty calculator, LHDN e-Stamping guide, negotiation tips, and what happens if you don't renew.
1-2 weeksRM100-500
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Home Broadband Comparison NEW
Unifi vs TIME vs Maxis vs CelcomDigi vs Yes β€” every plan, every price, and which one to actually pick for your home.
RM89–RM379/monthEasy decision
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EPF Retirement Calculator NEW
How much will your EPF grow by retirement? Project your KWSP balance, check basic savings thresholds, and estimate monthly withdrawals.
Interactive ToolTry it
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Buying a Car
New vs used, hire purchase loans, JPJ ownership transfer, PUSPAKOM inspection, insurance, and road tax.
1–3 days transferManageable
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Touch 'n Go eWallet Complete Guide NEW
How to register, top up, complete eKYC, and increase your wallet limit. Paying bills, sending money, and what to do if you lose your phone.
Free appEasy
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Opening a Bank Account
Maybank, CIMB, Public Bank β€” which to choose, documents needed for citizens and foreigners, and setting up DuitNow.
Same dayEasy
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Applying for a Credit Card NEW
BNM income rules, CCRIS explained, popular cards compared, and how to avoid the minimum payment trap.
1–2 weeksModerate
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Filing Your Tax Return (LHDN) POPULAR
e-Filing via MyTax, Form BE, reliefs checklist, deadlines, and how to avoid late penalties.
Deadline: 15 MayEasy (once set up)
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Applying for a PTPTN Loan
Eligibility, income tiers, disbursement, repayment rules β€” and the 20% early repayment discount you should know about.
2–6 weeksManageable
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Repaying Your PTPTN Loan NEW
When payments start, income-based installments, 20% settlement discount, deferral for unemployed, JomPAY code, and how to clear arrears.
OngoingMust Know
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Applying for SSPN-i (Education Savings) NEW
Open Malaysia's national education savings account online in 15 minutes. RM8,000/year tax relief, min RM20/month, tax-free dividends β€” step-by-step guide.
RM20 minEasy
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Applying for JPA Scholarship NEW
Malaysia's most prestigious government scholarship β€” fully funded tuition, living allowance, flights. Eligibility, documents, interview tips, and service bond explained.
Jan β€” AprVery Competitive
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MARA Education Loan & Scholarship NEW
Education sponsorship for Bumiputera students β€” convertible loans, full scholarships for top performers. Diploma to PhD, local and overseas.
BumiputeraLoan β†’ Scholarship
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EPF Account 3 (Akaun Fleksibel) Guide NEW
What Account 3 is, the 75/15/10 split, how to check your balance on i-Akaun, and how to withdraw anytime β€” plus the retirement trade-off to know first.
Free Β· 5 min onlineEasy
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EPF (KWSP) Complete Guide NEW
3-account structure explained, contribution rates, Akaun Fleksibel withdrawals, housing/education/medical withdrawal, nominations, and dividends.
LifetimeEssential
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Updating Your EPF (KWSP) Nomination NEW
Add or change your EPF nominee in 10 minutes via i-Akaun. What happens without a nomination β€” and why Muslim vs non-Muslim rules differ.
Free Β· 10 min onlineEasy
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Applying for a Personal Loan
Compare rates from Bank Rakyat, Maybank, CIMB, RHB and more. Flat vs effective rate explained, DSR, CCRIS, documents needed, and step-by-step application.
1–7 daysCalculator Included
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KWSP Akaun Fleksibel Withdrawal
How to withdraw from EPF Akaun Fleksibel (Akaun 3). i-Akaun steps, minimum RM50, once per month, 1–3 day processing β€” and the real retirement cost of cashing out.
1–3 business daysNo docs needed
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Claiming Your Income Tax Refund
How to check your LHDN refund status on MyTax, update your bank account, why refunds are delayed, and your right to 2% compensation if LHDN is late.
30 working daysAutomatic
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Zakat and Income Tax Rebate
Zakat paid to an authorised body gives a 100% tax rebate β€” not just a relief. How to claim it in Part G of Form BE, which zakat types qualify, and the common mistakes.
2.5% of net income100% rebate
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How to Read Your EA Form (Borang EA)
What every section of your Borang EA means and where each figure goes in your Form BE e-Filing. Common mistakes, multiple EA forms, and what to do if yours is wrong.
Tax seasone-Filing guide
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Starting a Sdn Bhd
SSM registration, company secretary, Constitution, share capital, and opening your first business bank account.
1–5 daysManageable
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Hiring Your First Employee
SOCSO, EIS, HRDF, PCB β€” all the statutory registrations you must complete and when to do them.
Within 30 daysDon't skip this
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SST Registration for Malaysian Businesses NEW
When your business must register for Sales or Service Tax (threshold RM500,000), how to register via MySST, penalties for late registration, and bi-monthly filing obligations.
RM500k thresholdMandatory
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Maternity & Paternity Leave Guide NEW
98 consecutive days of paid maternity leave + 7 days paternity leave (2023 update). Documents needed, SOCSO SIP benefit, and what your employer cannot do.
98 daysFull pay
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Gig Worker Take-Home Calculator NEW
Calculate your net pay after SOCSO SKSPS and EIS deductions under the Gig Workers Bill 2025. Covers Grab, Foodpanda, Lalamove and more.
Interactive Tool1.25% SOCSO
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Income Tax E-Filing Guide 2026 NEW
Form BE deadline April 30. Pre-filing checklist, MyTax walkthrough, deductions reminder, and FAQs for YA 2025.
Deadline April 30Free
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Income Tax Relief Checklist YA2025 NEW
All 27+ reliefs with exact RM limits: personal RM9K, lifestyle RM2.5K, EPF RM4K, medical RM10K, education RM7K. Don't miss a deduction.
Filing 2026Free
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LHDN Tax Refund Status Guide 2026 NEW
How to check your bayaran balik status via MyTax. Status codes explained: Dalam Proses, Diluluskan, Dibayar. What to do if your refund is overdue.
Filing 2026Free
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MyTax Registration Guide 2026 NEW
Register on MyTax for the first time. Get your TIN, verify identity, set password, and add your bank account for refunds. 15 minutes.
Filing 2026Free
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PTPTN Repayment Calculator 2026 NEW
See your monthly instalment by income bracket, how many years to clear, total service charge, and lump-sum discount tips.
Interactive ToolFree
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Influencer Tax Calculator 2026 NEW
Estimate your LHDN income tax on platform earnings, brand deals, and gifted products. Includes Form BE vs B guide and CP500 instalment calculator.
Interactive ToolApril 30 deadline
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PCB/MTD Monthly Tax Deduction Calculator NEW
Calculate how much PCB (Potongan Cukai Berjadual) your employer deducts from your monthly salary. Uses LHDN 2026 tax brackets with spouse and children reliefs.
Interactive ToolApril 30 deadline
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Registering a Sole Proprietorship NEW
SSM EzBiz registration, business name, fees, tax obligations β€” the cheapest way to start a legal business in Malaysia.
Same dayRM30–60/year
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Resigning From Your Job
Notice periods, final pay rules, EIS SIP unemployment claim, EPF access, Form CP21, and a clean handover checklist.
Varies by contractRead before you quit
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Claiming SOCSO (PERKESO)
Workplace injury claims, EIS SIP unemployment payouts after retrenchment, invalidity pension, and panel clinic access.
48h to reportEIS: 60-day window
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Claiming EIS/SIP Unemployment Benefits NEW
Lost your job? Claim up to 80% of your salary for 6 months from PERKESO. Eligibility, documents, JSA payout schedule, and training benefits.
60-day deadlineUp to 80% salary
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AKPK Debt Management Programme (DMP) NEW
Free credit counselling from Bank Negara's agency. Get loans restructured, interest reduced to 0-8%, and a single monthly payment. 100% free.
100% free0-8% interest
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Claiming STR / BPR Cash Aid NEW
Government cash aid for B40 & M40 households β€” RM600 to RM2,500/year. How to register, update bank details, check status, and appeal if rejected.
Up to RM2,500Auto-qualify via LHDN
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PeKa B40: Free Health Screening & Medical Aid NEW
Free blood tests and health screening for STR recipients aged 40+. Up to RM20,000 in medical device assistance and RM1,000 cancer incentive β€” no registration needed.
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MySalam: Free Government Insurance (B40)
Free takaful for B40 Malaysians β€” RM8,000 for 50 critical illnesses, RM50/day hospitalisation. How to check if you're enrolled and how to claim.
Free β€” no signup neededRM8,000 payout
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Renewing Your Passport POPULAR
JPN online vs walk-in, documents needed, fees, processing time β€” for adults and children.
Same dayEasy
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Replacing a Lost or Damaged MyKad
Police report, JPN walk-in, fees (RM110 lost / RM100 damaged), and how to get a temporary identity letter.
1 working dayStraightforward
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Getting Your Motorcycle Licence (B2 & B)
B2 vs B licence, PDL, KPP theory test, JPJ circuit and road test, costs, P licence rules, and upgrading to full B.
1–3 monthsFrom RM500
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Getting Your Driving Licence (P β†’ Full)
Driving academy, PDL, KPP theory test, JPJ practical test, P licence rules, and how to convert to full licence.
2–3 monthsMultiple stages
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Claiming Car Insurance After an Accident
OD vs TP claims, NCD impact, panel workshops, MIB for uninsured drivers β€” what to do at the scene and after.
1–8 weeksModerate
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Renewing Road Tax & Car Insurance
Annual renewal step-by-step β€” MyEG, MyJPJ app, or post office. Road tax rates by engine size, NCD explained, what to do if yours has lapsed.
30 min onlineEvery year
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Renewing Car Insurance in Malaysia
Compare quotes on PolicyStreet & Loanstreet, understand NCD, choose the right coverage and add-ons β€” renew online in 15 minutes.
15–30 min onlineEvery year
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Renewing Car Insurance Online β€” Platform Comparison NEW
PolicyStreet vs Bjak vs MyEG β€” which platform to use, how to compare quotes, and which add-ons are worth it. Renew in 30 minutes without leaving home.
30 minOnline only
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Renewing Your Driving Licence
Renew via MyJPJ app, JPJ counter, or Pos Malaysia. Fees by licence class, what happens if expired over 3 years, P licence rules, and pro tips.
15 min onlineEvery 3–5 years
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How to Become a Grab Driver
PSV licence (Lesen PSV), Puspakom B2 inspection, e-hailing insurance endorsement, Grab registration steps, and how much you can realistically earn.
2–6 weeks processGig income
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Malaysia Public Transport Guide
LRT, MRT, KTM Komuter, Monorail, and Rapid KL Bus β€” fares, Touch 'n Go card, PULSE monthly pass, student/senior concession cards, and journey planning.
Touch 'n GoSave with PULSE pass
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What to Do After a Car Accident NEW
Step-by-step: what to do immediately after an accident, when to call police, how to file a report, claim insurance, protect your NCD, and handle hit-and-run.
InsurancePolice report
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Dispute an LHDN Tax Assessment
Disagree with your LHDN Notice of Assessment? File Form Q within 30 days. Grounds for appeal, documents needed, step-by-step submission, and what happens if you miss the deadline.
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Renting Out a Room Legally NEW
Tenancy agreement, stamp duty at LHDN, income tax declaration, deposit rules, tenant rights β€” everything a Malaysian room landlord needs to know.
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Buying a Second-Hand Car
Check outstanding loans, PUSPAKOM B5 inspection, JPJ ownership transfer, hire purchase loan β€” everything you need to buy a used car safely in Malaysia.
CarsFinance
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Transfer Car Ownership (JPJ e-Tukar) NEW
PUSPAKOM inspection, documents for buyer & seller, JPJ e-Tukar online portal, costs breakdown (RM100 transfer fee), step-by-step process, and common mistakes to avoid.
1–3 daysMedium
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Dispute a Bank Charge NEW
Unauthorized transaction, duplicate charge, or wrong amount? Your liability is capped at RM250 for stolen cards. Here's how to dispute β€” bank first, then FMOS, then BNM. Free escalation, binding decisions.
DisputesHigh urgency
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File a TTPM Consumer Tribunal Claim
Got cheated or sold defective goods? TTPM lets you claim up to RM50,000 with a RM5 filing fee β€” no lawyer needed. File online via eTTM. Step-by-step guide.
DisputesHigh urgency
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How to Make a Police Report (Laporan Polis) NEW
Theft, accident, lost MyKad, fraud, or assault β€” here's exactly how to file a police report at the balai polis or via iPolis online. What to bring, what to say, and what happens next.
LegalHigh urgency
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My Contractor Went Dark β€” What To Do
Contractor took your deposit and disappeared? Police report, TTPM tribunal (RM5 fee, up to RM50k claim), CIDB complaint, and civil action β€” every step from evidence to enforcement.
DisputesHigh urgency
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Missed PTPTN Payment?
What happens when you miss PTPTN payments β€” blacklist, travel ban, EPF block β€” and how to fix it: pay arrears, apply for deferment, or restructure your loan.
PTPTNStudent loan
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Internship Rights Guide
Minimum allowance, SOCSO coverage, working hours, leave entitlement, and what to do if your company mistreats you β€” your rights as a Malaysian intern.
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Freelancer Invoicing Guide
What to put on a freelance invoice, SST thresholds, e-Invoicing rules, income tax for freelancers, and how to chase late payments.
πŸ›£οΈ
Toll Roads & Highway Guide
SmartTAG vs RFID sticker β€” what to use, how to install RFID, major highway toll rates, PLUSMiles rewards, and what to do if overcharged.
RFID freePLUSMiles savings
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Lost Your MyKad? Here's What to Do NEW
Police report first, then JPN replacement. RM110 fee, temporary identity letter on the spot, same-day process.
1 dayAct within 30 days
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EPF i-Akaun Complete Guide NEW
Register for i-Akaun, check your KWSP balance, update details, manage nominations, and apply for withdrawals online.
Free10 min to register
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Pos Malaysia & Pos Laju Guide NEW
Send parcels, correct Malaysian address format, Pos Laju rates, tracking, and what to do when your parcel goes missing.
From RM7Next day (Peninsula)
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International Driving Permit (IDP) NEW
Apply at JPJ or AAM to drive abroad legally. RM150 fee, valid 1 year, accepted in 150+ countries. Full licence required.
RM150Same-day

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⚠ Disclaimer: These guides are for informational purposes only and are not legal or financial advice. Fees, procedures, and regulations change. Always verify with the relevant government body before proceeding. Last reviewed: March 2026.