Chartered Accountant · Malaysia

Dharam

I’m learning to build for the web, and I’m using this space to share practical tools that make everyday Malaysian money decisions a little clearer.

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About this site

A small corner for
useful tools

This site is a personal project: part learning space, part collection of calculators and notes that I hope are useful.

01
Why I built this

I’m learning how to build for the web, and calculators are a good way to turn messy real-life questions into something clearer.

Personal Project
02
What you’ll find

Practical tools for everyday Malaysian tax, EPF, property, cash flow and planning decisions — built to be simple enough to actually use.

Money Tools
03
A quick note

These tools are estimates, not official advice. Use them to understand the numbers, then double-check before making big decisions.

Planning Only
Free Tools

Tools to help you decide

Free calculators built on actual Malaysian statutory rates. No sign-up — just numbers you can plan with.

🏠
Property Transaction Cost Analyser

Stamp duty, RPGT, legal fees and agent commission — calculated in seconds from actual statutory rates.

Buyer & Seller Open tool
🧾
CP204 / CP204A Checker

85% threshold check, S107C(10) penalty exposure and balance tax payable — for Malaysian companies filing CP204.

Companies & Tax Agents Open tool
📈
Cash Flow Analyser

Burn rate, runway and 3-month projection — with EPF, SOCSO, EIS and SST already factored in.

SME & Startup Open tool
🧮
Director Remuneration Optimizer

Compare company cash outflow, total taxes and EPF savings across salary, director's fees and dividends — same take-home, three very different costs.

Directors & Founders Open tool
📋
YA 2026 Tax Relief Planner

Find every relief you qualify for, estimate your tax, and compare separate vs joint assessment — with advice on which saves more.

Individuals & Couples Open tool
EPF
EPF Retirement Runway Calculator

Project your EPF balance at 50, 55 and 60, test voluntary top-ups, and see how long your savings may support retirement spending.

Individuals & Families Open tool
🔜
More Tools

We're building tools across more areas of Malaysian tax and business compliance. Stay tuned.

Coming Soon
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Get in touch

Let's talk
over coffee

Tell me what you're working on. Even if you're not sure what you need — that's what the first conversation is for.

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I'll be in touch soon — coffee's on me.