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Know the real cost before you buy with our car salary calculator.

See monthly instalments, road tax, and insurance calculated for any Malaysian car using our car salary calculator.

1

Choose a car

Browse popular Malaysian models across all price ranges.

2

See the real cost

Monthly instalment, road tax, and insurance calculated instantly.

3

Check affordability

Enter your income to see your debt-to-income ratio.

Manageable · This car is within reach but will take up a significant portion of your income.

RM 1,058.97/mo total cost · 26.61% of your net income per month · DSR 13.77%

RM 1,058.97

per month

Monthly Costs

Loan instalment RM 730.00
Road tax RM 7.50
Insurance RM 191.64
Maintenance RM 129.83
Total / month RM 1,058.97
Annual RM 12,708

Upfront Costs (One-Time)

Down payment RM 16,164
JPJ registration RM 600
Stamp duty RM 740
Number plate RM 30
PUSPAKOM RM 0 (new car)
Total Upfront RM 17,534

Loan Details

OTR Price RM 89,800
Down payment (18%) RM 16,164
Loan amount RM 73,636
Interest rate (p.a.) 1.5% p.a.
Tenure 9 yr (108 mo)
Total interest RM 5,204
Total repayment RM 78,840

Loan Eligibility (DSR)

Existing 0% This car +13.8% Limit 60%

DSR 13.77% — within bank guidelines. ✓

What-if: Tenure & Rate

3.5% 4% 4.5% 4.7% 5%
5yr RM 1,471RM 1,489RM 1,507RM 1,515RM 1,526
7yr RM 1,087RM 1,105RM 1,124RM 1,131RM 1,143
9yr RM 874RM 893RM 912RM 928RM 931

Instalment only (excl. running costs). Active scenario highlighted.

Proton S70 Flagship · 2025 · 1.5L Petrol Income: RM 5,300/mo gross · RM 3,980/mo net
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