Free tools first. Human follow-up only when you ask.
pinjamHub is a financial information and referral platform for Malaysians. We build calculators and guides so you can see indicative numbers — on borrowing, ASB, and retirement — in one place, without signing up and without sales pressure.
pinjamHub 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.
What we do
Seven free calculators and a library of plain-language articles — organised around three questions Malaysians actually ask.
Debt & Borrowing
Can I afford this? Should I consolidate?
- Consolidation Calculator Compare credit-card costs against a consolidation loan.
- Loan Calculator Estimate repayment scenarios and total cost.
- Eligibility Check DSR-based signals by employment type, subject to lender assessment.
ASB Wealth
Loan or savings? Which builds more?
- ASB Loan vs Savings Featured Same monthly commitment, two strategies — see which wins.
- ASB Loan Calculator Net gain, break-even rate, and more.
- ASB Savings Calculator Grow through contributions and dividend reinvestment.
Retirement
Will I have enough one day?
- EPF Savings Estimator Project your EPF balance at retirement from salary and contributions.
- Articles Plain-language explainers on borrowing, ASB, and retirement planning.
Who it's for
Three kinds of decisions, one toolkit. Start wherever you are today.
Borrowers weighing a loan
Government, GLC, private-sector, and self-employed — personal financing and debt consolidation paths, with indicative numbers before you speak to a bank or agent.
ASB investors deciding strategy
Malaysians torn between an ASB lump-sum loan and regular monthly savings — run both side-by-side on the same monthly commitment.
Employees planning retirement
Project your EPF balance at retirement, stress-test the assumptions, and plan with numbers you can share with your family.
How we stay trustworthy
Four commitments we hold ourselves to — in plain language.
No account, no pressure
All core calculators work without sign-up. You only share contact details if you actively request a callback — never as a condition of using a tool.
Your data, your call (PDPA)
Calculator inputs live in your browser session. We only disclose your details to a financing provider after you give explicit PDPA consent on the callback form.
Aligned with BNM guidelines
Our calculators are built around Bank Negara Malaysia's responsible financing guidelines and DSR benchmarks. pinjamHub is not affiliated with, endorsed by, or approved by BNM — always verify rates with your lender.
Referral-funded, not user-paid
pinjamHub is free to use. We may earn a referral fee from financing providers when you obtain a product through us. This does not affect the rates or terms offered to you.
What we are not
We are not a bank, licensed financial adviser, or moneylender. We do not approve loans or set interest rates. Anything you see here is informational — always confirm terms with the financing provider. Full scope on our Disclaimer.
Who operates this platform
pinjamHub is operated by PINJAMHUB SDN. BHD. (Company No: CT0072773-M), registered in Malaysia and registered as a data user with the Personal Data Protection Commissioner (PDPC).
Registered address: C-10-6 SOHO 2, Empire Damansara, Jalan PJU 8/8A, Damansara Perdana, 47820 Petaling Jaya, Selangor, Malaysia
For data-protection enquiries, contact our Data Protection Officer at dpo@pinjamhub.com. For everything else, see Contact below or read our Privacy Policy and Terms of Service.
See your numbers in under a minute.
No signup, no sales call unless you ask for one. Start with the eligibility check — it routes you to the right tool next.
Or email hello@pinjamhub.com · WhatsApp available on every calculator page.
Last updated: April 18, 2026