Free Finance Tools
Everything you need to manage your finances, in one place.
Salary Calculator
Full EPF, SOCSO, EIS & PCB breakdown with 2025 rates. Instantly see your net take-home pay.
EPF Calculator
Employee & employer KWSP contributions. Retirement projection with dividend compounding.
PCB Tax Calculator
Monthly tax deduction estimate with LHDN progressive rates. Includes all tax reliefs.
Invoice Generator
Professional invoices with SST. Live preview, PDF download. For freelancers & SMEs.
Loan Calculator
Home, car & personal loans. Amortization tables, charts, and full repayment breakdowns.
All Tools & Guides
Browse all free tools, SEO guides, blog articles, and finance resources in one place.
How It Works
Three simple steps. No sign-up. No fees. Just tools that work.
Step 01
Enter Your Details
Input your salary, loan amount, or invoice details. Simple forms, no technical jargon.
Step 02
See Instant Results
Get real-time calculations with detailed breakdowns, charts, and professional previews.
Step 03
Download or Export
Export salary breakdowns as CSV, loan schedules as reports, or invoices as PDF.
Compare Features
Everything is free. Here's what you get across our tools.
| Feature | Free RM0 forever | Free RM0 forever | Free RM0 forever |
|---|---|---|---|
| EPF Calculator | |||
| SOCSO Breakdown | |||
| EIS Calculation | |||
| PCB Tax Estimate | |||
| Loan Amortization | |||
| Invoice PDF Download | |||
| SST Tax Support | |||
| Retirement Projection | |||
| CSV Export | |||
| Local Storage Save | |||
| Dark Mode | |||
| SEO Blog Resources | |||
| API Access |
Trusted by Malaysians
Join thousands of employees, freelancers, and business owners who use DuitTools every day.
“Finally a Malaysian salary calculator that actually works! I use it to explain salary breakdowns to new hires. The EPF and PCB breakdowns are spot on.”
Amira Rahman
HR Executive, KL
“The invoice generator saves me hours. I create professional invoices in minutes and download them as PDFs for my clients. SST support is a bonus.”
Jason Lim
Freelance Designer, Penang
“I was overpaying PCB for two years before I found this calculator. Now I know exactly what should be deducted. My staff love it too.”
Rajesh Kumar
SME Owner, Johor
“The loan calculator's amortization schedule is more detailed than most bank tools. I recommend it to all my clients who are house hunting.”
Nurul Huda
Accountant, Selangor
“Clean design, instant results, and private — no data leaves my browser. This is how finance tools should be built. Kudos to the DuitTools team.”
Wei Chen
Software Engineer, PJ
“I run a small catering business and use the invoice generator every week. The SST 6% auto-calculation is perfect for my tax invoices. Free forever is amazing.”
Siti Khadijah
Small Business Owner, Sabah
Frequently Asked Questions
Yes, completely free. No sign-ups, no subscriptions, no hidden fees. All our tools — salary calculator, EPF calculator, PCB calculator, loan calculator, and invoice generator — are and always will be free to use.