Spectra Calculator

Spectra Calculator answers one question before you sign anything: can I actually afford this? It works out financing using the rules that apply in Malaysia, not generic loan maths borrowed from elsewhere. CALCULATORS • Home financing: monthly instalment, DSR, stamp duty, legal fees and the cash you need upfront • Car hire purchase: both the new effective-rate rules from 1 June 2026 (Hire-Purchase (Amendment) Act 2026) and the old flat-rate / Rule of 78 rules for earlier agreements. The app tells you which one applies to yours • Personal loans, including red-flag checks to help you spot a loan scam • Credit card repayment: how long minimum payments really take and what they cost • PTPTN repayment • Faraid distribution PLAN WITH YOUR REAL NUMBERS • Save a salary profile with EPF, SOCSO, EIS and PCB to see your take-home pay and a safe instalment • Track your active loans and compare saved scenarios side by side • Learn pages explain each rule in plain language YOUR DATA STAYS YOURS • Every calculator works offline and without an account • Cloud sync is optional. Sign in with just your email to back up your profile and scenarios across devices • Delete your account and cloud data any time from inside the app • Spectra never asks for your NRIC, bank account, card number, OTP, payslip or loan documents AVAILABLE IN English, Bahasa Malaysia, 中文 and தமிழ் HOW THE FIGURES ARE PRODUCED Every figure comes from deterministic, tested code, not an estimate from a language model. Statutory rules such as stamp duty bands, legal fee scales, service tax and hire purchase caps are kept in one place and updated when the law changes. Where a rate has not been verified against a primary source, it is shown as an estimate. PLEASE NOTE Spectra Calculator is an educational planning tool, not financial advice. It does not lend money, arrange loans or recommend any bank or product, and it earns nothing from lenders. Actual bank quotes, fees and your credit standing will differ. Always verify with the official source before you commit. Spectra Calculator by Spectrality Enterprise.