Understand Your MoneySimply and for Free
One place to learn how to save and invest in Malaysia and work out what matters to you — your EPF savings, your home loan, your emergency fund — without signing up, without paying anything and without jargon. All in ringgit (MYR).
MYR
Official Currency
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Calculators for Malaysia
RM 250k
PIDM Deposit Cover
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Follow the S&P 500, the FBM KLCI, Bitcoin and Ethereum in real time, updated every five minutes. Includes the US dollar / ringgit exchange rate, handy if you hold foreign-currency savings or funds.
Learn the Basics
Short, plain-English guides to saving, banks and financial planning in Malaysia — to get started without knowing anything about money.
What is a savings account and how much does it pay?
A savings account keeps your money safe and pays profit or interest that changes over time. How the rate, tax and PIDM protection work — and when a savings account is enough.
Read the article →Emergency fund: how much do you need?
An emergency fund of 3-6 months of expenses protects you from unexpected costs without expensive debt. The EIS Job Search Allowance helps if you are retrenched, but only partly. How to work out your figure and build it.
Read the article →What is compound interest and how does it work?
Compound interest is return on your return — the engine behind long-term saving. Here is the formula, how big a role time plays, and how to use the rule of 72.
Read the article →Free Financial Calculators
Free tools in ringgit (MYR), with results straight away. No sign-up, no cost.
Compound Interest Calculator
Work out how your savings or investments grow year by year, in ringgit.
Calculate →How Long to Save RM 100k?
Work out how long it takes to reach any savings goal in ringgit.
Calculate →Emergency Fund Calculator
Work out how much to set aside for unexpected costs based on your monthly spending.
Calculate →Financial Independence Calculator
How much capital do you need to live off your returns? Find your path to financial freedom.
Calculate →How Many Work Hours Does It Cost?
Turn the price of any product into hours of your work, based on your pay.
Calculate →Retirement Calculator
Project the investing you do on top of your EPF (KWSP) savings.
Calculate →Mortgage Calculator
Monthly instalment plus the upfront cost of buying — down payment, stamp duty, legal fees.
Calculate →EPF (KWSP) Calculator
Estimate how large your EPF pot could grow by 55 and the monthly income it would support.
Calculate →Frequently Asked Questions
Everything you need to know about our guides and calculators.
- What is Save Money To Invest and what does it offer for Malaysia?
- Save Money To Invest is a free platform of financial data and calculators. The Malaysia section brings together personal finance guides (savings accounts, the EPF, PIDM deposit insurance, banks, credit cards) and financial calculators in ringgit (MYR). No sign-up or account is needed.
- Why are the calculators in ringgit?
- Because the ringgit is the currency here. All calculators and articles use Malaysian ringgit directly, with no currency conversion.
- Does Malaysia have a state pension?
- For private-sector workers, the main scheme is the Employees Provident Fund (EPF / KWSP) — a savings pot, not a lifelong pension. You contribute 11% of wages and your employer adds 12-13%, the fund pays an annual dividend of around 5-6%, and you can withdraw from age 55. Civil servants have a separate pension. See the EPF calculator and the retirement article.
- Is there unemployment benefit in Malaysia?
- Yes — the Employment Insurance System (EIS / SIP), run by SOCSO since 2018, pays a temporary Job Search Allowance to employees who are retrenched (not to those who resign). It replaces part of your wage for 3-6 months, capped at an assumed monthly wage of RM 6,000. An emergency fund is still the main safety net.
- Is Save Money To Invest free in Malaysia?
- Yes. All content — guides and calculators — is free and requires no sign-up. The site is funded by advertising.
- Can I see the full site in US English?
- Yes. Save Money To Invest also offers data from more than 10 global exchanges (NYSE, NASDAQ, LSE, Euronext, among others) and 17 financial calculators focused on the United States market. Reach them via the "🇺🇸 English (US) site" link at the top of this page.