Personal Loan Calculator Malaysia

Free personal loan calculator Malaysia to calculate monthly payments, loan eligibility based on salary, and repayment schedules. Compare rates from Maybank, CIMB, Hong Leong Bank, Bank Rakyat, Bank Islam, UOB, AmBank, HSBC, AEON, and more. Plan your personal loan with instant results for 2025. Export to Excel.

Loan Details

Bank

Loan Type

Loan Amount (MYR)

Annual Interest Rate (%)

Loan Term (months)

Extra Payments (Optional)

Payment Frequency

Extra Payment Amount (MYR)

Results

Monthly Payment

RM 1,025.83

Total Interest

RM 11,549.59

Total Payment

RM 61,549.59

Total Cost

RM 61,549.59

Payment Schedule

Month	Payment Date	Beginning Balance	Principal	Interest	Extra Payment	Total Payment	Ending Balance
1	1 November 2025	RM 50,000.00	RM 671.66	RM 354.17	RM 0.00	RM 1,025.83	RM 49,328.34
2	1 December 2025	RM 49,328.34	RM 676.42	RM 349.41	RM 0.00	RM 1,025.83	RM 48,651.92
3	1 January 2026	RM 48,651.92	RM 681.21	RM 344.62	RM 0.00	RM 1,025.83	RM 47,970.71
4	1 February 2026	RM 47,970.71	RM 686.03	RM 339.79	RM 0.00	RM 1,025.83	RM 47,284.68
5	1 March 2026	RM 47,284.68	RM 690.89	RM 334.93	RM 0.00	RM 1,025.83	RM 46,593.79
6	1 April 2026	RM 46,593.79	RM 695.79	RM 330.04	RM 0.00	RM 1,025.83	RM 45,898.00
7	1 May 2026	RM 45,898.00	RM 700.72	RM 325.11	RM 0.00	RM 1,025.83	RM 45,197.28
8	1 June 2026	RM 45,197.28	RM 705.68	RM 320.15	RM 0.00	RM 1,025.83	RM 44,491.60
9	1 July 2026	RM 44,491.60	RM 710.68	RM 315.15	RM 0.00	RM 1,025.83	RM 43,780.93
10	1 August 2026	RM 43,780.93	RM 715.71	RM 310.11	RM 0.00	RM 1,025.83	RM 43,065.21
11	1 September 2026	RM 43,065.21	RM 720.78	RM 305.05	RM 0.00	RM 1,025.83	RM 42,344.43
12	1 October 2026	RM 42,344.43	RM 725.89	RM 299.94	RM 0.00	RM 1,025.83	RM 41,618.55
13	1 November 2026	RM 41,618.55	RM 731.03	RM 294.80	RM 0.00	RM 1,025.83	RM 40,887.52
14	1 December 2026	RM 40,887.52	RM 736.21	RM 289.62	RM 0.00	RM 1,025.83	RM 40,151.31
15	1 January 2027	RM 40,151.31	RM 741.42	RM 284.41	RM 0.00	RM 1,025.83	RM 39,409.89
16	1 February 2027	RM 39,409.89	RM 746.67	RM 279.15	RM 0.00	RM 1,025.83	RM 38,663.22
17	1 March 2027	RM 38,663.22	RM 751.96	RM 273.86	RM 0.00	RM 1,025.83	RM 37,911.25
18	1 April 2027	RM 37,911.25	RM 757.29	RM 268.54	RM 0.00	RM 1,025.83	RM 37,153.97
19	1 May 2027	RM 37,153.97	RM 762.65	RM 263.17	RM 0.00	RM 1,025.83	RM 36,391.31
20	1 June 2027	RM 36,391.31	RM 768.05	RM 257.77	RM 0.00	RM 1,025.83	RM 35,623.26
21	1 July 2027	RM 35,623.26	RM 773.50	RM 252.33	RM 0.00	RM 1,025.83	RM 34,849.76
22	1 August 2027	RM 34,849.76	RM 778.97	RM 246.85	RM 0.00	RM 1,025.83	RM 34,070.79
23	1 September 2027	RM 34,070.79	RM 784.49	RM 241.33	RM 0.00	RM 1,025.83	RM 33,286.30
24	1 October 2027	RM 33,286.30	RM 790.05	RM 235.78	RM 0.00	RM 1,025.83	RM 32,496.25
25	1 November 2027	RM 32,496.25	RM 795.64	RM 230.18	RM 0.00	RM 1,025.83	RM 31,700.60
26	1 December 2027	RM 31,700.60	RM 801.28	RM 224.55	RM 0.00	RM 1,025.83	RM 30,899.32
27	1 January 2028	RM 30,899.32	RM 806.96	RM 218.87	RM 0.00	RM 1,025.83	RM 30,092.37
28	1 February 2028	RM 30,092.37	RM 812.67	RM 213.15	RM 0.00	RM 1,025.83	RM 29,279.70
29	1 March 2028	RM 29,279.70	RM 818.43	RM 207.40	RM 0.00	RM 1,025.83	RM 28,461.27
30	1 April 2028	RM 28,461.27	RM 824.23	RM 201.60	RM 0.00	RM 1,025.83	RM 27,637.04
31	1 May 2028	RM 27,637.04	RM 830.06	RM 195.76	RM 0.00	RM 1,025.83	RM 26,806.98
32	1 June 2028	RM 26,806.98	RM 835.94	RM 189.88	RM 0.00	RM 1,025.83	RM 25,971.03
33	1 July 2028	RM 25,971.03	RM 841.87	RM 183.96	RM 0.00	RM 1,025.83	RM 25,129.17
34	1 August 2028	RM 25,129.17	RM 847.83	RM 178.00	RM 0.00	RM 1,025.83	RM 24,281.34
35	1 September 2028	RM 24,281.34	RM 853.83	RM 171.99	RM 0.00	RM 1,025.83	RM 23,427.51
36	1 October 2028	RM 23,427.51	RM 859.88	RM 165.94	RM 0.00	RM 1,025.83	RM 22,567.62
37	1 November 2028	RM 22,567.62	RM 865.97	RM 159.85	RM 0.00	RM 1,025.83	RM 21,701.65
38	1 December 2028	RM 21,701.65	RM 872.11	RM 153.72	RM 0.00	RM 1,025.83	RM 20,829.54
39	1 January 2029	RM 20,829.54	RM 878.28	RM 147.54	RM 0.00	RM 1,025.83	RM 19,951.26
40	1 February 2029	RM 19,951.26	RM 884.51	RM 141.32	RM 0.00	RM 1,025.83	RM 19,066.76
41	1 March 2029	RM 19,066.76	RM 890.77	RM 135.06	RM 0.00	RM 1,025.83	RM 18,175.99
42	1 April 2029	RM 18,175.99	RM 897.08	RM 128.75	RM 0.00	RM 1,025.83	RM 17,278.91
43	1 May 2029	RM 17,278.91	RM 903.43	RM 122.39	RM 0.00	RM 1,025.83	RM 16,375.47
44	1 June 2029	RM 16,375.47	RM 909.83	RM 115.99	RM 0.00	RM 1,025.83	RM 15,465.64
45	1 July 2029	RM 15,465.64	RM 916.28	RM 109.55	RM 0.00	RM 1,025.83	RM 14,549.36
46	1 August 2029	RM 14,549.36	RM 922.77	RM 103.06	RM 0.00	RM 1,025.83	RM 13,626.59
47	1 September 2029	RM 13,626.59	RM 929.30	RM 96.52	RM 0.00	RM 1,025.83	RM 12,697.29
48	1 October 2029	RM 12,697.29	RM 935.89	RM 89.94	RM 0.00	RM 1,025.83	RM 11,761.40
49	1 November 2029	RM 11,761.40	RM 942.52	RM 83.31	RM 0.00	RM 1,025.83	RM 10,818.88
50	1 December 2029	RM 10,818.88	RM 949.19	RM 76.63	RM 0.00	RM 1,025.83	RM 9,869.69
51	1 January 2030	RM 9,869.69	RM 955.92	RM 69.91	RM 0.00	RM 1,025.83	RM 8,913.77
52	1 February 2030	RM 8,913.77	RM 962.69	RM 63.14	RM 0.00	RM 1,025.83	RM 7,951.08
53	1 March 2030	RM 7,951.08	RM 969.51	RM 56.32	RM 0.00	RM 1,025.83	RM 6,981.58
54	1 April 2030	RM 6,981.58	RM 976.37	RM 49.45	RM 0.00	RM 1,025.83	RM 6,005.20
55	1 May 2030	RM 6,005.20	RM 983.29	RM 42.54	RM 0.00	RM 1,025.83	RM 5,021.91
56	1 June 2030	RM 5,021.91	RM 990.25	RM 35.57	RM 0.00	RM 1,025.83	RM 4,031.66
57	1 July 2030	RM 4,031.66	RM 997.27	RM 28.56	RM 0.00	RM 1,025.83	RM 3,034.39
58	1 August 2030	RM 3,034.39	RM 1,004.33	RM 21.49	RM 0.00	RM 1,025.83	RM 2,030.06
59	1 September 2030	RM 2,030.06	RM 1,011.45	RM 14.38	RM 0.00	RM 1,025.83	RM 1,018.61
60	1 October 2030	RM 1,018.61	RM 1,018.61	RM 7.22	RM 0.00	RM 1,025.83	RM 0.00

About Personal Loan Calculator Malaysia

Our free personal loan calculator Malaysia helps you calculate monthly payments, total interest, and repayment schedules for personal loans from major Malaysian banks including Maybank, CIMB Bank, Hong Leong Bank, Bank Rakyat, Bank Islam, UOB, AmBank, HSBC, and AEON Credit. Whether you're looking for a personal loan calculator Malaysia based on salary, a personal loan eligibility calculator Malaysia, or comparing rates across different banks, our comprehensive tool provides instant results for 2025.

The personal loan calculator Malaysia supports both conventional and Islamic personal financing options. Islamic personal loans, also known as personal financing, follow Shariah principles and use profit rates instead of interest rates. Our calculator handles both types, allowing you to compare conventional personal loans with Islamic personal financing options from banks like Bank Islam, Bank Rakyat, and other Islamic banks in Malaysia.

One of the most useful features is the personal loan calculator Malaysia based on salary. This feature helps you determine the maximum loan amount you can afford based on your monthly income. Malaysian banks typically allow 30-40% of your net monthly salary for personal loan repayments. By entering your monthly salary and existing EMI obligations, the calculator automatically determines your maximum loan eligibility and recommends a safe loan amount.

The personal loan eligibility calculator Malaysia provides a comprehensive eligibility assessment. It calculates your eligibility score based on multiple factors including debt-to-income ratio, age, employment type, and loan amount. The calculator shows whether you're eligible for the loan, your maximum loan amount, recommended loan amount, and minimum salary required. This helps you understand your borrowing capacity before applying for a personal loan.

Our calculator supports all major Malaysian banks. Whether you're comparing Maybank personal loan rates, CIMB personal loan rates, Hong Leong Bank personal loan rates, Bank Rakyat personal loan rates, Bank Islam personal loan rates, UOB personal loan rates, AmBank personal loan rates, HSBC personal loan rates, or AEON personal loan rates, you can easily switch between banks and see how different interest rates affect your monthly payments and total interest costs.

The payment schedule feature shows a complete amortization table with all months displayed through a scrollable interface. You can see exactly how each payment is applied to principal versus interest, track your loan balance over time, and see the impact of extra payments. The schedule can be exported to Excel for further analysis, making it perfect for financial planning and record-keeping. This personal loan calculator Malaysia Excel export functionality allows you to download your payment schedule as a CSV file compatible with Excel, Google Sheets, and other spreadsheet applications.

Extra payment options help you understand how making additional payments can reduce your total interest and shorten your loan term. You can choose monthly extra payments or one-time lump sum payments. The calculator shows exactly how much interest you'll save and how many months you'll reduce from your loan term by making extra payments.

Whether you're looking for the best personal loan calculator Malaysia, a personal loan calculator Malaysia 2025, or comparing rates from different banks, our tool provides comprehensive calculations with instant results. The calculator is mobile-friendly and works seamlessly on desktop, tablet, and mobile devices, making it easy to calculate your personal loan payments anywhere, anytime.