HOME AFFORDABILITY CALCULATOR · MALAYSIA

How much home can I comfortably afford?

Start with your monthly income and commitments. KiraFirst works backwards to estimate a practical home budget.

✓ No signup✓ Instant estimate✓ Simple choices

ESTIMATED COMFORTABLE HOME BUDGETRM 500,000

Estimated mortgage RM 2,200 / month

Estimated down payment RM 50,000

Loan tenure 35 years

YOUR HOME BUDGET

Tell us what feels comfortable.

This is a budgeting estimate, not a bank approval test.

Monthly take-home income

RM2kRM50k

Existing monthly commitments

RM0RM30k

Include car loans, personal loans, credit-card instalments and other fixed debt payments.

How comfortable do you want the home payment to be?

Balanced keeps the estimate practical while leaving room for your other spending.

Advanced assumptions Optional

These percentages are budgeting assumptions, not bank approval rules.

Home payment share

% of income

10%50%

Total debt share

% of income

20%70%

Interest rate

% p.a.

0%10%

Down payment

0%50%

Loan tenure

KiraFirst estimates a monthly mortgage from the comfort level you choose, checks it against your existing commitments, then works backwards to an estimated home price.

HOW IT WORKS

See what each comfort level means in ringgit.

The numbers below update using your current income, commitments, rate, down payment and tenure.

Comfortable

RM 0

Estimated home price

MortgageRM 0 / month

Income leftRM 0 / month

Balanced

RM 0

Estimated home price

MortgageRM 0 / month

Income leftRM 0 / month

Maximum budget

RM 0

Estimated home price

MortgageRM 0 / month

Income leftRM 0 / month