Paying minimum on your credit card? Find out how much it's really costing you.
pinjamHub gives you free, honest financial tools to understand your options, before you speak to anyone.
Free · No registration · No agent pressure
pinjamHub is a financial information and referral platform. It is not a licensed financial adviser under the Financial Services Act 2013 / Islamic Financial Services Act 2013, and is not a licensed moneylender under the Moneylenders Act 1951. Calculator outputs are illustrative estimates only.
Your options depend on where you work
Pick your sector to see what's actually available to you — rates, limits, repayment style.
Free tools to help you decide
No signup required. Use as many times as you need.
Debt & Borrowing
Understand what you can borrow, check eligibility, and see if consolidation pays off.
Consolidation Calculator
Compare credit card costs against a consolidation loan and see potential savings.
Try it free →
Loan Calculator
Estimate how much you can borrow based on your income and commitments.
Try it free →
Eligibility Check
Find out if you qualify for financing in under 60 seconds.
Try it free →ASB Wealth Tools
Decide between an ASB loan or regular savings — and project your long-term returns.
ASB Loan vs Savings
Same monthly commitment, two strategies. See which builds more ASB wealth over your chosen tenure.
Compare now →
ASB Loan Calculator
See if an ASB loan strategy works in your favour — net gain, break-even rate, and more.
Try it free →
ASB Savings Calculator
Grow your ASB through regular contributions and dividend reinvestment — milestone tracking included.
Try it free →Retirement Planning
Project how much you'll have at retirement and plan with confidence.
Why Malaysians trust pinjamHub
Transparent, independent, and built for you.
Powered by real financing products
Our results are drawn from actual Shariah-compliant and conventional financing providers operating in Malaysia — so you're always comparing real products.
We never share your data without consent
Information you enter into the calculators stays in your browser session and is only transmitted to our servers if you choose to submit the callback form. When you do submit, we disclose your inputs and contact details to the financing provider you enquired about — with your explicit PDPA consent — so they can process your enquiry.
Calculations follow BNM guidelines
Our calculators are built around Bank Negara Malaysia's responsible financing guidelines, including published DSR limits and rate benchmarks. We review these regularly — always verify current rates directly with your lender.
No upfront fees, ever
pinjamHub is free to use. We may earn a referral fee from financing providers if you successfully obtain a product through us. This does not affect the rates or terms offered to you.
Why Malaysians choose our calculators
The tools did the maths. Here's what they walked away with — and which calculator got them there.
saved over 5 years
“I was paying minimum on three cards and telling myself I had it under control. The breakdown showed me exactly how much interest I was bleeding every month — that was the wake-up call I needed.”
Aina, 34
Secondary school teacher · Selangor
projected net gain, 10-year tenure
“Every ASB article online just says 'take the loan' or 'don't take the loan'. This actually compared both paths side-by-side with my numbers. I finally understood why the answer depends on your tenure.”
Zulkifli, 29
Mechanical engineer · Johor Bahru
eligible, under 2 minutes
“I was nervous to even check because I thought I'd get rejected. Got a clear answer in under two minutes, no phone call from an agent. That alone was worth it.”
Priya, 31
Staff nurse · Kuala Lumpur
safe borrowing ceiling
“The calculator didn't just give me a max loan figure — it showed me what my DSR would look like at different tenures. I ended up borrowing less than the maximum because the breakdown made the trade-off obvious.”
Mohd Hafiz, 42
Government officer · Putrajaya
projected EPF at 60
“Twelve years to retirement and I had no idea if I was on track. Seeing the projection, with and without voluntary top-ups, made me finally open a Self Contribution account the same week.”
Salmah, 48
Senior admin executive · Penang
net gain after break-even
“I've used a dozen ASB calculators. Most are built to push you into a loan. This one told me plainly at what dividend rate the loan stops making sense — and that's the number I actually needed.”
Faizal, 36
Chartered accountant · Petaling Jaya
milestone in 8 years
“Saving RM500 a month felt abstract until I saw when I'd hit RM100k, RM250k, RM500k. The milestone view made it feel like a goal, not a chore. I increased my contribution the next day.”
Rohaya, 27
Marketing executive · Shah Alam
interest cost reduction
“Being self-employed, I assumed consolidation wasn't an option for me. The tool walked me through what was realistic versus what wasn't, without any 'sign up now' pressure. Refreshing.”
Ismail, 39
Self-employed, F&B · Seremban
Names abbreviated for privacy; publication consent obtained. Figures shown are calculator estimates at time of use and reflect individual inputs — your results will vary.
Be the first to try our new tools
We're always building new calculators to help Malaysians make better financial decisions. Get a short email when a new tool goes live — nothing else.
By subscribing, you acknowledge our Privacy Policy. You can unsubscribe at any time.