Credit Tools
Free calculators to help you understand your credit position before you apply.
DSR Calculator
Work out how much of your income is already committed to debt repayments, and what that means before you apply. Bank Negara sets no DSR cap, and no Malaysian bank publishes one.
CCRIS Interactive Explainer
Walk through a sample CCRIS report section by section. Understand what lenders see when they pull your credit record.
Balance Transfer Calculator
See exactly how much you'd save by moving your credit card balance to a lower-rate offer. Compare total interest paid.
Credit Utilisation Calculator
See how your credit card balances affect your score. CTOS weights Amounts Owed at 20% — check where you stand across all your cards.
Loan Eligibility Estimator
Estimate your personal loan eligibility based on income, debts, and employment type. No credit check — just a realistic picture.
Repayment Timeline Calculator
See when you'll be debt-free and how much interest you'll pay. Compare minimum payments vs extra payments.
Credit Score Simulator
Simulate how different actions affect your CTOS score. Pay off a card, miss a payment, take a new loan — see the estimated impact.