🎓 PTPTN Loan Calculator Interactive

Calculate your PTPTN student loan monthly repayment, total ujrah fee, lump-sum settlement discount, and salary deduction bracket — updated for 2026.

Your Loan Details

Total PTPTN Loan Amount (RM)

Typical range: RM20,000 – RM60,000 depending on course & institution

Monthly Gross Salary (RM)

Used to determine your salary deduction bracket (mandatory if ≥RM2,000/mo)

Ujrah (Admin Fee) Rate (% per annum)

Standard PTPTN ujrah is 1% p.a. (Islamic financing — not compound interest)

Repayment Period (years)

Standard is up to 15 years; shorter term = less total ujrah paid

Custom Payment Option

Override with custom monthly payment

Your Results

🎓

Enter your loan details, then click Calculate.

📊 Salary Deduction Brackets (2026)

Mandatory salary deduction applies to all PTPTN borrowers earning ≥RM2,000/month. Your employer deducts this directly — it counts toward your repayment.

Monthly Gross Salary	Deduction Rate	Monthly Deduction (example)	Status
Enter your salary above and click Calculate to see your bracket.

What is ujrah? Unlike a conventional loan, PTPTN uses Islamic financing (tawarruq). The 1% p.a. "ujrah" is an administrative charge, not compound interest. This means it is calculated on your original loan balance each year — making it significantly cheaper than a typical bank loan at 4–5% p.a.

💡 Tips to Manage Your PTPTN Loan

Pay more than the minimum each month — even RM50 extra reduces your ujrah cost significantly over time.
If you have savings, consider the 10% lump-sum settlement discount — it's a guaranteed return on your money.
Register for MySPTJN (the PTPTN borrower portal) to check your outstanding balance, payment history, and statements.
Confirm your employer has set up salary deduction via eDDM — non-deduction doesn't mean exemption; arrears accrue.
PTPTN graduates who scored CGPA 3.0 and above may be eligible for 20% fee reduction — check your eligibility.
If unemployed or facing hardship, apply for deferment via MySPTJN before missing payments to avoid CCRIS impact.
Academic excellence borrowers with first-class honours may qualify for full loan conversion to scholarship.

🙋 Frequently Asked Questions

When does PTPTN repayment start?

Repayment begins 12 months after your graduation date (the date your final semester ends, not your convocation). You'll receive a repayment notice from PTPTN — but don't wait; register on MySPTJN early to plan ahead.

What happens if I miss payments?

Missed payments are reported to CCRIS (Central Credit Reference Information System) and can affect your credit score, making it harder to get a car loan, home loan, or credit card. Persistent defaulters may also face an overseas travel ban via immigration blacklisting.

Is the salary deduction automatic?

Yes — if you earn ≥RM2,000/month, your employer is legally required to deduct PTPTN repayments from your salary under the Education Institutions (PTPTN) Act. This started being enforced from 2019. If your employer hasn't set it up, contact HR and PTPTN directly.

Can I pay more than the required amount?

Absolutely. You can make extra payments anytime via PTPTN's online portal, FPX, or at the counter. Extra payments go directly to reducing your principal, which lowers future ujrah charges. There is no early settlement penalty.

How does the 10% lump-sum discount work?

If you pay off your entire outstanding PTPTN balance in one go, PTPTN gives you a 10% reduction on the remaining amount owed. For example, if you owe RM20,000, you pay only RM18,000. This discount applies to the outstanding balance at time of settlement — not your original loan.

What if I change jobs or become self-employed?

Salary deduction only applies to salaried employees. If you become self-employed or your income drops below RM2,000/month, you should still make direct monthly payments to avoid defaulting. You can set up auto-debit via MySPTJN.

Can the repayment period be extended?

Yes — PTPTN allows repayment periods of up to 15 years. If you are facing genuine hardship, you can apply to restructure your repayment schedule via MySPTJN or a PTPTN service centre.

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Disclaimer: This calculator provides estimates based on PTPTN's standard 1% p.a. ujrah rate and published salary deduction brackets as of 2026. Actual repayment amounts may differ based on your specific loan agreement, disbursement history, and any outstanding arrears. Always verify your balance and repayment schedule via MySPTJN at ptptn.gov.my or call PTPTN at 1-300-88-7878.