Built for Malaysia's next chapter

Your first salary
is not your real budget.

See what is actually left after EPF, rent, PTPTN, transport and real life — then turn it into a plan you can live with.

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5 minto get your plan

100%local & private

RMMalaysia-first logic

Local-first planning

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YOUR MONTH, EXPLAINEDLIVE PLAN

Gross salary

RM 3,500

Take-home payRM 3,010

Life essentials− RM 1,780

Goals & PTPTN− RM 550

Actually leftRM 680You're building breathing room.

✓ Emergency fund
10 months away

Car check
Wait for now

THE REALITY CHECK

A salary number tells
only half the story.

KiraStart joins the pieces that are usually scattered across five different calculators.

01

Know your real take-home

Estimate EPF, SOCSO, EIS and income tax in one clear view.

02

Pressure-test your choices

See whether rent, a car or your PTPTN plan leaves enough breathing room.

03

Get a timeline, not a lecture

Turn your monthly surplus into concrete milestones for the next 36 months.

Planning estimates informed by official Malaysian guidance

KWSP / EPF ↗ PERKESO ↗ LHDN ↗ PTPTN ↗

01 — INCOME

What does your working life look like?

Start with your best estimate. This is a planning tool, not a tax filing form.

Monthly gross salary

RM

Before EPF, SOCSO, EIS and estimated tax

Where will you work? Current stage

I contribute to EPFUses an 11% employee estimate

02 — REAL LIFE

Where does your money need to go?

Monthly averages are perfect. Honest rough numbers beat precise fantasy numbers.

Rent & utilities

RM

Food & groceries

RM

Transport

RM

Phone & subscriptions

RM

Family / insurance

RM

Fun & everything else

RM

Quick lifestyle preset

03 — COMMITMENTS & GOALS

What are you carrying — and building?

This is where a budget becomes your plan.

P

PTPTN repaymentUse your planned monthly payment

Outstanding balance

RM

Monthly payment

RM

C

Car commitmentInclude instalment only; running costs go under transport

Monthly car instalment

RM

◎

Your safety targetWe recommend starting with 3 months of essentials

Current savings

RM

Emergency fund goal

RM

YOUR FIRST-YEAR REALITY CHECK

You have RM 0 of breathing room.

Your plan is ready.

PLAN HEALTH0/ 100

Getting started

MONTHLY CASH FLOW

Where your salary goes

Gross salaryRM 0

THE HONEST VERDICT

↗

You have room to build.

Your essentials are covered and you still have space for your goals.

Essential-cost ratio0%

A useful target is below 60% of take-home pay.

YOUR NEXT BEST MOVES

YOUR LIFE TIMELINE

Small moves, visible progress

36 MONTHS

Planning estimate only. Tax and statutory deductions are simplified and may differ from your payslip. Always confirm important decisions with official sources or a qualified adviser.