# MYkira
Malaysian finance calculators that respect your privacy.
MYkira is a personal finance calculator built for Malaysians. It computes compound interest, KWSP/EPF projections, home loans, car loans (with the new Hire Purchase Amendment Act 2026 reducing-balance toggle), and personal income tax — all using actual Malaysian rules, in Bahasa Malaysia, English, or 中文.
100% offline. Zero data collection. No ads. No accounts.
The numbers you enter never leave your phone.
## What MYkira does
- Compound Interest — model savings or investment growth with regular contributions, multiple compounding frequencies, and investment periods in days, weeks, months, or years.
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- KWSP / EPF Projection — project your retirement balance with editable contribution and dividend rates, including the RM 100,000 voluntary contribution (i-Saraan) cap.
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- Home Loan — monthly amortization, total interest, and auto-computed loan-to-value ratio.
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- Car Loan — switch between the Hire Purchase Amendment Act 2026 reducing-balance (EIR) method and the legacy flat-rate method to see the real savings.
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- Income Tax YA 2025 — Malaysian resident salaried + self-employed brackets, with the full set of reliefs (KWSP, SOCSO, lifestyle, parents, children, OKU, EV charging, home loan interest, zakat rebate, and more).
## Get the app
- iOS: App Store — MYkira Calculator
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Android: Coming soon to Google Play (in submission)
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Free to download. Premium calculators unlock for RM 7.90 / month, RM 79.90 / year, or RM 399.90 lifetime (one-time).
Why MYkira
Most finance apps MYkira Send your data to servers for “personalisation” Runs 100% on your device. Your numbers never leave your phone. Use generic global tax/loan formulas Encodes the actual Malaysian rules: LHDN YA 2025 brackets, KWSP rates, HPAA 2026, KWSP i-Saraan cap, and more Show ads or sell data Zero ads, zero analytics, zero third-party SDKs English-only Trilingual: Bahasa Malaysia / English / 中文
Built by
MYkira Kira Resources — a Malaysian sole proprietorship registered with SSM (registration number 202603118665 / AS0514522-T), based in Subang Jaya, Selangor.
For questions, partnerships, or feedback: talktous@mykirakira.com
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