Resource Centre
Free Tools for Your Business
A collection of free interactive tools to help Malaysian business owners and individuals make better decisions — no sign-up, no email, no cost. Built by a Chartered Accountant, free for everyone to use.
Finance & Compliance
e-Invoice Readiness Checker
12 questions, 2 minutes — get your company's LHDN e-Invoice readiness score and the exact steps to take before your phase begins.
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SST Calculator
Add, remove or work out SST on any amount — pick 6%, 8% or a custom rate and see the tax and net figures instantly. Built for Malaysian invoicing.
Pricing & Profitability
Profit Margin Calculator
Enter three monthly figures and instantly see your gross and net margins — with an honest read on whether they're healthy, thin, or in trouble.
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Markup vs Margin Calculator
Turn cost into the right selling price, or find your markup and margin from any cost and price. Stop confusing the two.
Break-even Calculator
Find out how many sales you need each month — in units, revenue and sales per day — before you make your first ringgit of profit.
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ROI Calculator
See the return on any spend or investment as a clear percentage — with an honest read on whether it's excellent, average, or a loss.
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ROA Calculator
See how effectively your business turns assets into profit — net income against average total assets, with a guide on reading it by industry.
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ROE Calculator
Measure the return on shareholders' equity — and understand why a high ROE can reflect leverage as much as performance.
Cash Flow & Liquidity
Cash Runway Calculator
See your monthly burn rate, how many months of cash you have left, and roughly when it runs out if nothing changes.
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Current Ratio Calculator
Check whether your business can cover its short-term bills — enter current assets and liabilities to get your liquidity ratio and what it means.
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Quick Ratio Calculator
The acid test: can you meet short-term obligations without relying on selling inventory? Get your quick ratio instantly.
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Debt-to-Equity Calculator
See how much of your business is funded by debt versus your own equity — with a simple traffic-light read on your leverage.
Loans & Personal Finance
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Home Loan Calculator
Estimate your monthly home loan or Islamic financing instalment, total interest and full amortisation — with rate-change scenarios.
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Home Loan Affordability Calculator
See the home financing and property price you could comfortably support, based on your income, commitments and an adjustable ratio.
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Flat to Effective Rate Calculator
Convert a quoted flat rate into its true effective, reducing-balance rate — so you can compare financing offers fairly.
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Loan Settlement Calculator
Estimate an early settlement figure — reducing-balance or Rule-of-78 hire purchase — updated for the 2026 hire-purchase changes.
Accounting & Fixed Assets
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Depreciation Calculator
Straight-line depreciation, the annual and monthly charge, depreciation rate, and the carrying amount at any point in an asset's useful life.
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PPE Disposal Gain/Loss Calculator
Carrying amount, net disposal proceeds and the gain or loss when an asset is sold — with an illustrative journal entry.
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Fair Value Gain/Loss Calculator
Illustrative investment remeasurement — adjusted carrying amount against closing fair value, with clear classification caveats (FVTPL / FVOCI).
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Receivables Impairment / ECL Calculator
Illustrative expected credit loss on trade receivables — simplified ageing matrix or PD × LGD — compared against your existing loss allowance.
Property & Deposits
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Rental Yield Calculator
Gross and net rental yield on a property, after vacancy allowance and running costs — a free resource, not property advice.
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FD / Sinking Fund Accrued Profit Calculator
Profit accrued on a fixed deposit or sinking fund up to any reporting date — Actual/365, Actual/360 or monthly allocation.
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FD Uplift Calculator
How much extra profit a rate uplift adds to your fixed deposit — you choose how the uplift applies.
Insurance & Takaful
CI Takaful Comparison Dashboard (in Malay)
Compare 5 critical illness takaful plans, calculate your coverage gap, and see real costs by age and profile.
Payroll & HR
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Salary Calculator
Gross salary in, EPF/SOCSO/EIS breakdown and net take-home pay out — plus the full cost to the employer.
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Payroll Summary Calculator
Generate a clean, printable one-page payroll summary — ready to save as PDF for your records.
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EPF Calculator (KWSP)
Employee and employer EPF contributions by category — Malaysian/PR, senior employees, and foreign workers.
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SOCSO Calculator (PERKESO)
Employment Injury & Invalidity contributions, Category 1 or 2, using the current RM6,000 wage ceiling.
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EIS Calculator
Employment Insurance System contributions, split evenly between employer and employee.
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Overtime Calculator
Normal day, rest day and public holiday overtime pay, worked out under the Employment Act 1955.
All tools are free, run entirely in your browser, and never store your figures. More tools are on the way — including car rental and travel calculators.
Need help beyond these tools?
Free tools give you a snapshot — but every business has its own situation. For finance advisory, Bukku implementation, or business digitalisation, message me directly on WhatsApp or explore my full services on the homepage.
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