Mortgage calculator
Refinance Calculator Malaysia
Estimate whether refinancing improves cash flow, creates cash-out or weakens DSR.
Short answer
Refinance Calculator
This calculator compares your current housing loan against a new refinance scenario and estimates monthly savings, break-even period, cash-out and new DSR.
Best used for
Quick estimate before deeper review.
Estimate whether refinancing improves cash flow, creates cash-out or weakens DSR.
Tool workspace
Refinance Calculator inputs
Adjust the inputs and use the result as a quick estimate before a proper case review.
Mortgage
Refinance Calculator
Savings, break-even, cash-out and new DSR.
Result
RM 2,476
Break-even in 83 months.
How it works
Read the result with the formula and assumptions in mind.
Formula
Calculation logic
Monthly savings = current payment - new payment. Break-even months = refinance costs / monthly savings when the new payment is lower.
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.
- A lower instalment may not be worth it if the break-even period is too long.