Mortgage calculator
Refinance Calculator Malaysia
Estimate whether refinancing improves monthly cash flow, creates cash-out or changes DSR after all commitments.
Tool workspace
Refinance Calculator inputs
Adjust the inputs and use the result as a quick estimate before a proper case review.
Mortgage
Refinance Calculator
Monthly payment change, break-even, cash-out and new DSR.
Enter an amount above RM0. Commas are added automatically; up to 2 decimal places.
Enter 0–25%; decimals are allowed, e.g. 3.8.
Enter 0.08–35 years; decimals are allowed, e.g. 24.5 for 24 years 6 months.
Include any intended cash-out in this amount.
Enter 0–25%; decimals are allowed, e.g. 3.8.
Enter a whole number from 1 to 35 years.
Optional; costs are deducted when estimating available cash-out.
Enter an amount above RM0. Commas are added automatically; up to 2 decimal places.
Optional; leave blank for RM0. Commas are added automatically; up to 2 decimal places.
Optional; leave blank for RM0. Commas are added automatically; up to 2 decimal places.
Optional; leave blank for RM0. Commas are added automatically; up to 2 decimal places.
Optional; leave blank for RM0. Commas are added automatically; up to 2 decimal places.
Optional; leave blank for RM0. Commas are added automatically; up to 2 decimal places.
Optional; enter the outstanding balance. 5% is treated as a monthly commitment.
Illustrative result
RM 145.99
Estimated cost break-even in 83 months.
- Monthly payment change
- RM 145.99
- Current payment
- RM 2,475.77
- New payment
- RM 2,329.79
- Break-even
- 83 months
- Estimated cash-out
- RM 38,000
- New estimated DSR
- 39.78%
How it works
Read the result with the formula and assumptions in mind.
Short answer
This calculator compares your current payment with a new refinance payment, then estimates the monthly cash-flow change, break-even period, cash-out and DSR after your other commitments.
Formula
Calculation logic
Monthly-payment savings = current payment - new payment. Break-even months = refinance costs / monthly-payment savings when positive. New DSR includes the refinance payment, other housing, car, personal, PTPTN and ASB commitments, plus the assumed credit card commitment.
Example
Worked scenario
Example: compare a current loan at 4.4% against a new package at 3.8%, then test whether cash-out still keeps DSR acceptable.
Assumptions
Before using the number
- The calculator does not check lock-in penalties or legal fee subsidies.
- Property valuation and bank margin can limit cash-out.
- Monthly-payment savings describe cash flow, not total lifetime savings; extending tenure can increase total interest.
Interpretation
How to use the result
- Monthly-payment savings describe cash flow; they are not the same as lifetime interest savings.
- A meaningful break-even period should fit how long you expect to keep the refinanced loan.
- Review penalties, subsidies, valuation and the purpose of any cash-out before deciding.
Method and sources
What supports the illustration
Methodology last reviewed 19 July 2026.
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